Pregnancy hospital cover

Starting your own family is an exciting time. If you want to have a baby as a private patient, this page explains all you need to know.

Our Silver Plus Grow includes pregnancy hospital cover so that you can have your baby at a private hospital with the obstetrician of your choice (or even at a public hospital with your choice of obstetrician). Silver Plus Grow is only sold in combination with an extras product. 

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View Silver Plus Grow Cover Descriptions

* IPSOS 2021 survey results for open private health insurance funds.

Two important things to be aware of - these apply to all health funds

1. Waiting period

A waiting period (including those for pre-existing conditions) of 12 months applies for pregnancy and birth.

If you’re transferring from another fund, we’ll recognise any waiting periods you’ve already served if you switch within 30 days. More information about waiting periods is here. 

How switching works

To switch, just join Peoplecare and we can cancel your existing cover for you. You won’t spend any time without cover that way. We’ll send your previous health insurer a request for details of your cover with them (this is called a Transfer Certificate) and then we’ll recognise any waiting periods you’ve already served if you switch within 30 days.

Sometimes if you’ve used all of your annual limit with your old health insurer you’ll have to wait for the new financial year to renew your limits.

2. Excess

Excesses may apply when you go to hospital, depending on your cover. Peoplecare Silver Plus Grow Hospital has two different excess levels to choose from:

  • $750
  • $500

Read more about excess works.

Helpful information about pregnancy cover

When do I need pregnancy cover? orange pacifier icon

If you want to go private for the birth of your baby, your hospital cover needs to include ‘pregnancy and birth-related services’ at least 12 months beforehand.

How do I use hospital cover to have a baby?

Simply follow the steps in our Going to Hospital Guide. But, in brief, you can choose your obstetrician in consultation with your GP.

Read our having a baby fact sheet for more information.

Common pregnancy conditions you could claim on extras cover orange blocks icon

Our pregnancy packages come with extras cover. Peoplecare extras covers provide benefits for things like:

  • genetic testing
  • physiotherapy
  • chiropractic therapy
  • dental care – gum disease linked to premature birth and low birth weight*

Read the full list of common extras services for pregnancy.

Other important hospital cover information orange hospital icon

There are some important things you need to know about your cover. Please click on the links below to read more.

*There are some government programs, generally means-tested (subject to income and/or social background criteria), that can help pay for some extras services. An example is the Child Dental Benefit Schedule. Another exception is treatment received under a Chronic Disease Management Plan. Peoplecare can’t provide benefits if you’re receiving a benefit through one of these government programs/plans.

father lifting child above his head

What are the benefits of hospital cover for your pregnancy?

  • Choose your own obstetrician and midwives whose expertise and delivery style suit you
  • Your obstetrician and midwives stay with you throughout your entire pregnancy
  • Increased chance of getting a private room (depending on availability)

Health Programs & Support

Nourish Baby

Nourish Baby supports parents through pregnancy, birth and beyond.

Read more

Hospital services at home purple house icon

These programs substitute a hospital admission with treatment at your own home (as long as your doctor agrees) – and if you’re covered, there are no out-of-pocket costs.

Tell me more

Thinking of IVF? purple pacifier icon

Need a little help getting pregnant? Your doctor is the best person to help you.

Normally, IVF is the last step before you’ve tried out other proven options. We know it can be stressful, not to mention expensive. That’s why Peoplecare is here to help guide you through and offers benefits for in vitro fertilisation.

Download IVF Factsheet