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Health Insurance and Planning a Family

July 16th, 2012 0 comments

If you are planning to start a family, now is a great time to review your health insurance cover to make sure that it suits your future needs.

If you already have private health insurance, all you need to do is make a call to your health fund or check your policy to see whether or not you have cover for birth-related services. If you only have a budget health cover or a singles health cover, you may need to upgrade your health insurance to include birth-related services.  Keep in mind that these services have a 12 month waiting period before you can use the benefits.  If you do already have birth-related services as part of your health cover, be sure to check the conditions and benefits that you are entitled to.  If you have any questions, be sure to ask your health care provider.

The greatest benefit of having private health insurance for your family is knowing that all of the members of your family will be covered for any medical issues that may happen.  It will give you great peace of mind.  Health insurance is very important for families, not only for the adults of the family, but also for the children and future children.  One of the best things about health insurance is that it does not matter how many children you have.  Families will pay the same premium as couples that do not have children.  In a matter of speaking, children will be covered for free.

Photo by Jerry Bunkers/Flickr.

Photo by Jerry Bunkers/Flickr.

Private health care is the best way to make sure that you receive quality care in a private hospital that you choose.  In many cases, you may even have the luxury of staying in a private room.  If you have private health insurance, you will get all the benefits of private health care without all of the costly medical bills.

The two features that you need to think about when choosing your private health insurance policy as you prepare for a new child are:

1. Pregnancy and birth related services, such as antenatal care, delivery and post-natal care.
2. Assisted reproductive services, such as IVF – in vitro fertilization and GIFT – gamete intrafallopian transfer.

If you have private health insurance, your health fund will cover the costs of in-patient treatment when you are admitted to deliver your baby.  The treatment costs that will be covered include:

  • Hospital accommodation, labour ward, and birth centre costs
  • Surgery-related expenses
  • Medical costs, such as fees for doctor, obstetrician, anaesthetist and paediatrician
  • The cost of drugs
  • Therapies that are associated with your delivery

So, whether you are expecting your first child or third child, it is certain that you have a very busy time ahead of you. The last thing you want to do is worry about your quality of health care and medical bills.

To help ease your stress and prevent any future stress, I suggest that you get the details of your health insurance all sorted out well in advance.  This really is the best thing you can do for your family.

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