Expect to be expecting

Private vs public for pregnancy – the big questions answered

Planning a baby and thinking about private health insurance? We’re here to explain the main benefits of getting private hospital cover and what you can expect from bump to birth and beyond for each option - where you’ll have the baby, who’ll look after you and more.

Keep in mind if you want private hospital cover for pregnancy, you’ll need to have taken cover out at least 12 months before your due date.


The private system offers more choices throughout the pregnancy and birth – you have a say in where you have the baby, who you will consult with and who’ll be at the birth. Private health insurance covers some of the costs, depending on your level of cover.

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Having a baby through the public health care system is free to anyone who has a Medicare card. The experience you have will depend on which hospital you go to, because the public system has number of different types of care available.

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Health insurance options

Pregnancy hospital cover

This hospital product includes pregnancy and birth. Don’t forget you can combine an extras product with top hospital gold.

View top hospital gold

Missed the 12 month waiting period?

You can still buy our extras cover for pregnancy related services such as pre & post natal services and birthing courses.

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