You are here:

A Guide to Extras Cover for Pregnancy

Pregnancy is an amazing time for your body. You are growing a human being! Unfortunately, all the changes your body goes through during pregnancy can also be tough on your health. That’s where health insurance comes in. Having health insurance, such as Hospital cover and Extras cover, during pregnancy can help you afford some essential self-care items that will help you stay healthy and comfortable during your pregnancy.

Megan Fraser

Fact Checked

Updated: 16 May 2024

You may also find that you need extra help in the form of Extras cover. For example, many health funds offer cover for prenatal classes and massages, which can help you relax and feel your best during pregnancy. Extras cover can also help you pay for things like acupuncture or physiotherapy if you’re struggling with morning sickness or back pain. Ultimately, having extras cover can give you peace of mind knowing that you have access to the support you need during pregnancy.

Key facts

Compare Health Insurance Quotes

Protect what’s most important to you. It’s easy, convenient and free!

By clicking ‘Compare & Save Now’, you are accepting our Terms of Use, Privacy Policy and consenting to us contacting you about the products and services provided. Please consider the PDS before purchasing any products.

Why do you need Extras cover for pregnancy?

There are many healthcare services and treatments you may require during your pregnancy. These can be costly over time, and an Extras policy is recommended to save out-of-pocket costs while ensuring you’re covered. Some Hospital policies don’t cover obstetric or midwifery care, so you may have to pay some of the costs yourself. 

It’s also a good idea to find out if there are any extras you can get with your policy, like cover for antenatal classes or a private room in the hospital. By doing your research ahead of time, you can be sure that you’re getting the best possible care for yourself and your baby.

Some of these treatments that Extras policies may cover include:

Extras cover to support expectant mums

Pregnancy is an exciting time, but it can also be a challenging one. Your body is going through a lot of changes, and you may find yourself feeling more tired than usual, as well as experiencing aches and pains in your back and legs. It’s important to listen to your body and give yourself the time and space to rest when needed. You may also find that your diet needs to change during pregnancy.

Hospital cover for pregnancy and birth

After you’ve been a member of your private hospital insurance fund for 12 months, you’re generally covered for pregnancy-related services at an agreement private hospital. This includes labour ward costs, doctors’ fees, and accommodation in a private room (if available). Some services, such as birthing classes, may be covered before the 12-month mark. Check with your fund to see what’s included in your cover.

If you are struggling with infertility, you may be wondering if your private hospital cover will pay benefits toward the cost of in-hospital Assisted Reproductive Services (ARS). Fortunately, many private health funds in Australia offer coverage for these treatments. Since only inpatient services are covered under private health insurance, you may be out-of-pocket for certain costs associated with ARS procedures. 

Can you still use your Extras cover once your baby is born?

Most people are aware that they need health insurance to cover themselves and their families. However, many people are surprised to learn that their private health cover does not automatically include their newborn baby. This is because babies born in Australia are automatically covered by Medicare and the Medicare benefits schedule, the government-funded health insurance system. 

However, Medicare only covers basic medical expenses, so if your baby needs to be admitted to hospital as an inpatient, you will need to take out private health insurance to cover the costs. Luckily, most hospital cover and health insurers offer packages that include cover for newborns, so it is easy to find a policy that suits your needs.

How to choose Extras cover

Extras cover helps pay for the cost if you ever need outpatient medical services. This can include optical and dental care, which prevent diseases from progressing worse than they already have. Remember that you may need to serve waiting periods before you can claim back. These typically last for two to 12 months. 

Frequently Asked Questions and Answers

Pregnancy policies generally cover a range of treatments, but it depends on your level of coverage. Services usually include: Accommodation and care at a private hospital; Assisted reproductive services; Some hospital-administered medicines; Miscarriage and termination of pregnancy; Antenatal/postnatal classes; Remedial massages; Physiotherapy.

Private health insurance for pregnancy can be a big decision. If you’re considering going to a private hospital for your birth, you’ll likely need to factor in the cost of private health cover. A C-section alone can set you back over $10,000 without private insurance, so it’s important to understand your options and make an informed decision that’s right for you. Whether or not you need private health insurance for pregnancy will depend on your personal needs and circumstances. But if you’ve weighed up your options and decided that private healthcare is the best option for you, then taking out a policy could make all the difference in bringing your bundle of joy into the world.

Regarding health insurance, pregnancy is not considered a pre-existing condition. There is, however, a minimum 12-month waiting period before you can make a claim related to pregnancy. That means you can’t be pregnant before you take out cover. If you’re planning to give birth in a private hospital, you’ll want to purchase your policy at least three months before you get pregnant. This waiting period is in place to ensure that people don’t take out cover to make a pregnancy-related claim immediately. While it may seem like an inconvenience, the 12-month waiting period is there to protect the integrity of the health insurance system.

If you’re pregnant and considering your birthing options, you may be wondering whether to give birth as a public or private patient. In Australia, most women give birth as public patients in public hospitals. This means that the government pays for your hospital care, and you’re generally cared for by midwives. You may also be seen by obstetricians, depending on your individual circumstances. There are many benefits to choosing to give birth as a public patient. Firstly, Medicare will cover the cost of your hospital care. Additionally, you’ll be able to access free midwife appointments, routine ultrasounds, blood tests and immunisations throughout your pregnancy. Plus, if you need emotional support, you can get up to 3 free counselling sessions. Giving birth as a public patient is a great way to save money and provide high-quality access to care.

When it comes to pregnancy cover, there’s no one-size-fits-all solution. The best policy for you will depend on several factors, including your budget and the level of cover you need. For example, if you’re looking for comprehensive cover, you’ll need to take out a policy that covers both prenatal and postnatal care. However, if you’re on a tight budget, you may need to choose a policy that only covers prenatal care. Whichever route you choose, it’s important to ensure you have enough coverage to protect yourself and your family. Pregnancy is an exciting time, but it can also be expensive. The last thing you want is to be left out of pocket if something goes wrong. With the right cover in place, you can relax and enjoy the journey ahead, safe in the knowledge that you’re covered against the worst-case scenario.

The main insurance policy you will need is Hospital insurance since that will cover your costs for in-hospital appointments and the birth itself. While it is not essential, Extras cover is highly recommended as it will cover you for all of your out-of-hospital treatments, such as pregnancy massages and dental care. What’s most important is finding a policy that provides enough coverage for your needs at a price you can afford.



Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

Other Topics

Find out more with our useful guides

Have a question? Ask a specialist.