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.

Choose your Hospital & Extras cover

Find the policy that's right for you - you can choose Hospital cover, Extras cover or a combination of both.

Hospital cover

Top cover
Low cover

Extras cover

Top cover
Low cover

You have selected:


Hospital cover

Extras cover

# The quoted price assumes you live in Queensland and you’ll receive 26.791% 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).

Important information Show content

*First month free is available only to new policy holders who join via Credit Union Australia Limited. ABN: 44 087 650 959 (CUA) directly.

Please read the information carefully and retain for your future reference. If you join CUA Health, confirmation of your cover and policy information will be sent to you. If you change your mind CUA Health provides a cooling off period of 30 days from the start date of your policy. For more information including Code of Conduct and Complaints resolution refer to information for policy holders.

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.

It’s important to know that we only pay a benefit for services performed by private practitioners in a private practice, provided their associations and services are recognised by us. If you’re unsure if the provider you have selected, or service you require is covered under your policy, please contact CUA Health for confirmation. The items, limits and benefits are provided as a general guide only. Please call us if any further information is required. Calendar year limits cover the period 1 January to 31 December each year.

When changing health insurers, Extras benefits paid by your old health fund will be counted towards your annual limits in your first year of membership with us.

Benefit limitation periods

During the first 24 months from joining and after waiting periods have been served, benefits paid for these treatments will be limited to the same amount you would receive in a public hospital for the same treatment. After 24 months from joining you will be eligible for the full benefits under the policy.

Medical costs

The medical charge is the cost for any services performed by doctors or specialists. This includes, but is not limited to – surgeons, anaesthetists, pathologists and assistant surgeons. Medicare sets an amount payable toward the medical costs, called the Medicare schedule fee. Medicare pays 75% of the schedule fee and CUA Health pays the remaining 25%. If the doctor or specialist chooses to charge above the schedule fee, then the difference is paid by you, unless your doctor or specialist chooses to participate in CUA Health’s Access gap cover scheme – see below for more info.

Access gap cover scheme

The Access Gap Cover Scheme will reduce or in some instances eliminate your out-of-pocket expenses for specialist care you receive while in hospital.

Doctors and specialists electing to participate in the Access Gap Cover Scheme can bill CUA Health directly. So, not only does your hospital treatment cost you less, but the billing system is made easier for you too.

Access to a complete list of doctors and specialists participating in the Access Gap Cover Scheme is available here. If your doctor or specialist chooses to use the Scheme, you will either:

  • have no out-of-pocket expenses, or
  • be provided with an estimate of out-of-pocket expenses before your treatment

Your doctor or specialist may choose to use the Scheme on a patient-by-patient basis. Of course, whether or not your doctor or specialist participates in the Access Gap Cover Scheme will not change the relationship you have with him or her, or affect the treatment you receive.

Excess payment

Excess: An upfront amount that you agree to pay towards the cost of hospital treatment, in exchange for lower premiums. For example, if you have Premium Hospital cover with $250 excess, and require hospital treatment you’ll pay $250 per person, per calendar year. This does not apply to dependants listed on the policy.

Agreement hospitals

CUA Health has agreements with the majority of private hospitals and day surgeries. If your hospital or day surgery doesn’t have an agreement with CUA Health, you may be subject to large out-of-pocket expenses, in addition to any excess or co-payment. Please check with your hospital prior to admission. Access to a complete list of agreement hospitals is available here.