Pregnancy test

Pregnancy and birth

Thinking about having a baby in a private hospital? We have hospital cover that pays towards services you receive in hospital during pregnancy and birth and helps you to enjoy the advantages of going private. To ensure you can use your health insurance for the birth of your baby, you just need to make sure you serve the 12-month Waiting Period before your due date. It’s important to also be aware of any potential .

The advantages of going private


Location, location, location


Choice of doctor


More … privacy

Some covers with benefits towards pregnancy and birth

Hospital cover for pregnancy and birth and a few options for extras cover.

advanced hospital gold

All the gold category hospital services including pregnancy and birth.

Gold hospital
& extras

advanced hospital gold & family extras

Pregnancy & birth, and extras cover for your family that includes birthing courses and braces.

Gold hospital
& extras

advanced hospital gold & super extras

Pregnancy & birth, and extras cover that includes birthing courses, braces and unlimited routine dental.

Compare these options

*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.608% (based on an age of under 65 years old, single income of $93,000 or less per year). Hospital price includes an excess of $750, excludes any Youth Discount and excludes Lifetime Health Cover loading. Heads up, the income thresholds used to calculate the Australian Government Rebate (AGR) and Medicare Levy Surcharge (MLS) are changing from 1 July 2024, so your entitlement to the AGR may change after that date. More on the AGR & MLS changes and how this may affect you.(opens in a new tab)

Missed the 12-month hospital cover waiting period?

You can still join extras cover to claim for things like pre & post-natal services including birthing courses. There may still be waiting periods, but most are less than 12 months.

Compare extras

More about our hospital cover for pregnancy and birth