Having a baby

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

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**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.