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Health Insurance

Having a baby

 

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 policyholders who purchase a policy before 30 June 2018 and pay premiums via direct debit from a CUA bank account. $200 maximum cashback is based on purchase of a Couples, Family or Single Parent combined Hospital & Extras policy (excluding certain policies purchased by Northern Territory residents– refer below). A lesser cashback of $100 is paid for purchase of a combined Singles policy and for Northern Territory residents who purchase a Single Parent Family combined Accident Only Hospital and Essential Extras policy. All other Family or Single Parent combined policies purchased by residents of the Northern Territory are eligible for $200 cashback. No cashback applies to any other policies. Full terms and conditions available at cua.com.au/healthy200
2. First month free is available only to new policy holders who join via Credit Union Australia Limited ABN 44 087 650 959 (CUA) directly. Health insurance is provided by CUA Health Ltd ABN 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.
3. The 4% discount is applied to CUA Health premiums paid by direct debit from a CUA transaction account on any policy effective from 4 April 2018. 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/healthdiscount
4 Your needs and financial circumstances have not been taken into account. Terms and conditions are available on application. Other fees and charges may apply. A General Information, Terms & Conditions brochure and Schedule of Fees are available online or from your local CUA branch. You should read both these documents before deciding whether to purchase this product, issued by CUA.

# The quoted price assumes you live in Queensland and you’ll receive 25.934% Australian Government Rebate for Private Health Insurance. Hospital cover prices are based on no Lifetime Health Cover Loading and an excess of $500 per person per calendar year (excluding dependants).

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