Having a baby

If you’re looking at getting health insurance for the first time, we know it can be a little overwhelming. We’ve put together a handy guide to help you make the best decision for your circumstances.

Step 1

Should I get health insurance if I’m planning on having a baby?

Before you make this decision, you need to think about where you’d like your baby delivered – in a private or public hospital, or are you considering a homebirth? You also need to decide how important it is for you to choose your own doctor.

If you want to have your baby in a private hospital and to choose your obstetrician, you’ll need appropriate level health insurance for 12 months prior to being admitted for the birth in order to be covered, so plan ahead (if you can). Our Premium Hospital cover includes obstetrics, and comes with a choice of nil, $250 or $500 excess. If you’ve served the waiting period with another provider, we’ll honour it at CUA Health too.

The advantages of having health insurance include:

  • Choosing your own obstetrician
  • Extra recovery time in hospital
  • Choosing which hospital you will go to
  • Cover for your baby should there be complications
Common questions
If you choose our Premium Hospital cover, you’ll be covered for any hospital admission costs for your IVF treatment.

Step 2

What should I consider when looking at health insurance for pregnancy?

Think about the whole journey of your growing family, not just the birth of your baby. Your little one can be covered on your CUA Health Family or Single Parent insurance policy until they turn 23 (or 25 if they’re a fulltime student) with no excess required if they ever need to be admitted to hospital.

When planning your family

  • Our Premium Hospital cover includes obstetrics.
  • Waiting periods already served with other providers will be honoured.
  • If you are new to health insurance you would need to wait 12 months before you can claim for pregnancy, obstetrics or assisted reproductive services.
  • Our Premium Hospital policy covers the hospital component for assisted reproductive services (IVF).

For pregnancy and birth

  • Choose your own obstetrician to see you through the entire journey.
  • Give birth in a private hospital where you’re likely to get your own room, be able to stay longer and have your partner stay with you.
  • Have your newborn covered immediately on your Family or Single Parent policy without waiting periods.

As your family grows

  • Children included on Family or Single Parent policies are covered until they are 23 (or 25 if studying fulltime).
  • No excess on kids’ hospital admission.
  • No ‘per child’ increase of premium.

Quick questions
Your little one will be covered on your ‘Single Parent’ or ‘Family’ policy so long as you have them added once they’re born. If you are already on a Couples policy then adding your baby will not increase your premium and if your child is ever admitted to hospital, the excess payment will be waived. If this is your first child, you should change your policy to a ‘Single Parent’ or ‘Family’ policy once the baby is born.

Step 3

What cover is right for me?

Pregnancy, obstetrics and the hospital component of assisted reproductive services are included on on our Premium Hospital cover, and comes with a choice of nil, $250 or $500 excess. If this is your first child, you should change your policy to either ‘Family’ or ‘Single Parent’ cover to ensure your newborn gets full coverage as well.

Once you’ve chosen your Hospital cover, it’s a good idea to consider Extras cover too. You might be grateful for services such as massage once pregnant!

What's what?
An excess is an upfront amount that you agree to pay towards the cost of hospital treatment, in exchange for lower premium costs. The excess does not apply to day surgery or dependant children.
Important information Important information Show content

1. Offer available only to new members who purchase and commence a combined Hospital and Extras Policy between 4/03/19 – 12/05/19 with an annual premium of at least $1,251. Maximum reward of $500 is based on the purchase of cover with a gross annual premium of above $4,170. There are 6 tiers of rewards, based on the value of the annual premiums for the cover selected. The eGift Card will be issued by Edge Loyalty on behalf of CUA Health Ltd. By participating in this promotion, you consent to CUA Health providing your first name and email address to Edge Loyalty, who will deal with your personal information in accordance with their privacy policy, available at https://www.edgepri.com/en/privacy-policy/. If you do not consent to your details being provided to Edge Loyalty, then we will be unable to provide you with the eGift Card regardless of your eligibility. Full terms and conditions available at cua.com.au/health500

2. To be eligible for the draw entrants must complete an ‘Email Quote’. Competition runs from 4/03/19 – 12/05/19. Prize is $10,000 cash paid to the winner’s nominated account. Total prize pool $10,000. The draw will take place at Anisimoff Legal, Suite 5, Erina Plaza 210 Central Coast Highway, Erina NSW 2250 on 17/05/2019 at 3:00pm AEST. Winner’s names published online at at www.facebook.com/CUA. Authorised under NSW Permit No: LTPS/19/ 31641 ACT Permit No: TP19/ 02622, SA Licence No: T19/ 132. Promotion terms and conditions available at cua.com.au/health10000. Promoter is CUA Health Ltd ABN 98 098 685 459 (CHL)..

*Get 4% discount on your CUA Health premium when you pay by direct debit from your CUA transaction account. CUA Health reserves the right to amend or remove the discount and any qualifying criteria at any time. We will always provide you with reasonable notice before exercising this right. Full terms and conditions available at cua.com.au/health-insurance/health-discount.

Credit Union Australia Ltd ABN 44 087 650 959 (CUA) is an authorised deposit-taking institution. Visit cua.com.au/health-insurance/health-discount for more information.

CUA Health Insurance is provided by CUA Health Ltd 98 098 685 459 (CHL) which is not an authorised deposit-taking institution. While CUA Health Insurance may be distributed by Credit Union Australia Ltd ABN 44 087 650 959 (CUA), CUA is not liable for this product and does not stand behind CHL.

Click here to see the full CUA Health Terms and Conditions.