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Private health...??

Posted: Fri Mar 11, 2011 11:08 pm
by Abbey_Lou
I know this questions has most probably been asked on numerous occasions but I had trouble finding anything.
DH and I feel it's time to start considering private health, something we always agreed to do after the wedding now that I am working full time as well and not studying we can justify the extra cost. Also because we plan to start TTC in the next year or so.
So... I guess my question is where do I start? I am not at all knowledgeable in this area and need any advice that you're willing to throw at me. Any recs or anything. I had a read through some on the internet and got very confused.... :?

Re: Private health...??

Posted: Fri Mar 11, 2011 11:21 pm
by Cimbom
You usually need to have maternity cover for 1 year for them to actually cover you for any pregnancy-related services. Also, some providers require you to change to a family membership a few months before the child is born so they get covered by insurance as well.

Hope that helps

Re: Private health...??

Posted: Fri Mar 11, 2011 11:25 pm
by Abbey_Lou
Cimbom wrote:
You usually need to have maternity cover for 1 year for them to actually cover you for any pregnancy-related services. Also, some providers require you to change to a family membership a few months before the child is born so they get covered by insurance as well.

Hope that helps


Thanks! Is maternity cover an extra?? Also, what providers would you recommend? My mum and dad are with Latrobe and are very happy with them! Would love to get some opinions!! :D

Re: Private health...??

Posted: Fri Mar 11, 2011 11:39 pm
by Dandelion
I'm with Medibank Private, and to get obstetrics cover (maternity) I have to have their 'top' hospital cover, includes obstetrics and I *think* heart issues, they're grouped together anyway.

I believe the iselect website or similar allows you to compare the different funds and what they offer.

Re: Private health...??

Posted: Fri Mar 11, 2011 11:50 pm
by Cimbom
Maternity cover is under hospital cover but does cost a bit extra on top of standard cover. No experience with any health insurance for pregnancy but you should make sure you have coverage for the things you need and that the excess and out of pocket expenses arent too high. Good luck :)

Re: Private health...??

Posted: Sat Mar 12, 2011 8:31 am
by mandamoo
Depends if you want Hospital only or both hospital and extras. I was with MBP but their extras oop I wasnt getting much back from them. So I went with AHM as I get more back.

Aso to take into consideration do you want to pay an excess? Some places you have to pay an excess regardless if you are admitted or not and others only if you are admitted. Some are $0 others are capped at $250 or $500 per hospital stay.

I pay 117 a mth for hospital and extras with AHM with an excess of $500. Dont use I-select as they only have selected funds on there. I would say call all the major ones and say you are planning on trying for a family in 12 pus mths time and you are wanting to find out how much their policy is.

And ask if you would need to change over to Single Parent (if you dont want to cover your DH) or Family (covering your DH under the policy too) when the baby is born.

I know AHM you have to change to the above which is the same price (199) 2 mths before the baby is born so to cover baby just in case anything does happen.

It is confusing but you will get the gist of it once you start researching

happy researching hun and good luck

Re: Private health...??

Posted: Sat Mar 12, 2011 9:55 am
by emfive
I am also with AHM for hospital cover. I was paying around $20 per week just to have myself covered which included obstetrics cover and a capped $500 excess. At the start of the year I changed to family cover to make sure DH and Onesie are covered and I now pay $40 per week. This is hospital cover only as I have my extras with MBF.

So far I have been happy with them but I will probably have a better indication after I've been to hospital in the next few weeks :D

Re: Private health...??

Posted: Sat Mar 12, 2011 10:39 am
by christabelle
I am with CBHS top cover so covers all injuries except plastic surgery and psychiatry. I also have top extras as I wear glasses so I buy glasses and contact lenses annually. I also check myself into physio so i can make a few claims so as not to let the premium go to waste. I don't have an excess and it's $120 a fortnight for dh and I.

Just start comparing prices and coverage and work out what types of things you would like to be covered for and hopefully it will all start to make sense after awhile

Re: Private health...??

Posted: Tue Mar 15, 2011 9:50 am
by Naradine
We have Au unity couples cover atm... I think we pay just under $200 / month (covered for everything except obstetrics), witch is alot, but they have good optical and dental with no gap and are awesome to deal with and claim thru.
as we are getting closer and closer to TTC, we have been looking into upgrading to obstetrics.. but I have now decided not to.
I'm going to go public and I'm very happy with the decision! By the time you put together ALL the extra expenses you have to pay on top of you private cover every month, it's ridiculous! Spec. when you think about that you dont really have to pay anything at all with public - of you get share care and all that! FH is still not convinced.. but I am.. so I get to decide.. :lol:
2 moths before you bub is due to be born (whenever we'll get there) we'll change over to familiy cover with Au unity.


With that said.. It's good putting some time looking into it. Both private and public, talk to people with experience and compare different private health insurances! :heart:

Re: Private health...??

Posted: Tue Mar 15, 2011 10:18 am
by adl11
FH and I have separate cover until we become a fmaily with a little one, we are both with medibank provate, but it worked out cheaper to be on separate policies considering he doesn't need pregnancy cover, but yeah dont go through iselect, they cringe when you mention wanting to go through one of the major health funds as they dont refer to those providers.

Re: Private health...??

Posted: Mon Apr 11, 2011 12:04 pm
by KCupcake21
With most policies you need to have joined 13 months before you have conceived in order to be covered for maternity services - work colleague found that one out the hard way, although the only bonus was that as long as she added her baby within 6 weeks of it being born, it would be fully covered.

Re: Private health...??

Posted: Sat Apr 16, 2011 7:55 am
by carly87
a friend of dh's had private health with cover for his wife to have her baby included, and she needed to have a c-section. if they were going to use their private health cover it was going to be a few thousand dollars up front, because they had to cover the doctor and other things 8O .