Monday, March 16, 2009

What should be done if you plan to have a baby?

We suggest you consider health cover both for you and for your baby.

For you, we suggest you check there is no exclusion for pregnancy, childbirth, obstetrics or similar on your private hospital cover. Most health insurance funds will not pay full benefits for childbirth until you have held your health insurance for 9 months or 12 months, so we suggest you have your private hospital cover in place at least a year before you plan to have your baby.

If you have singles only health cover or couples only health cover, usually health insurers will not pay benefits for children, even for newborn babies, but they will allow you to upgrade to family health cover while you are pregnant so your baby will be covered too. You should check this with your particular insurer.

If you already have couples cover, you may as well upgrade to family cover as soon as you start thinking about having a baby, because very often there is no extra cost.

To compare private health insurance and find the best and cheapest option for private health cover you and your family you can go to www.ozecover.com.au. The service costs you nothing and its the only one that compares every health insurance company and every product in Australia. Your quote is personalised, based on your answers to some simple questions.


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