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 (Gold) cover includes obstetrics, and comes with a choice of Nil, $250, $500 or $750 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