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Naturally, you’ll want the best care for your little one when he or she arrives in the world, which is why you may be wondering how to get health insurance for your baby. This is where a single parent or family health insurance policy can come in handy, as often health funds allow babies to be added to these policies free of charge.
Find out what’s involved in getting health cover for your newborn here with Savvy. Just answer a few simple questions about your health insurance needs and you can compare offers from a panel of trusted health funds. Our quote service is simple, easy and free to use, so start the process with Savvy today.
Prior to hearing the great news that you’re expecting an addition to the family, you may have had either a singles health policy or a couples policy. However, now that you’re expecting a tiny new arrival, it’s time to look at the options available to add your baby to your health insurance policy. Your options are:
However, savvy parents will ensure they switch to a single parent or family policy at least a year before the baby’s birth, as there'll be a 12-month waiting period before you can claim for pregnancy and birth costs on a health policy. Therefore, it’s well worth switching your health insurance to a single parent or family policy well before you plan your pregnancy.
Family health insurance
Family health cover is the same as other types of health insurance. There are two different types of policy available: hospital cover and extras cover. Both types of health insurance are available as a family policy, which typically provides cover for two adults and dependent kids.
It isn’t necessary to have both types of health cover with the same insurer, so you can choose two different insurers for your hospital and extras policies.
Hospital cover comes in four different levels:
Each tier of cover, from basic up to gold, adds greater coverage but also further expense. As the number of conditions covered increases, so does the price of the policy. Therefore, a basic family policy will be the cheapest policy available, but will also offer the least cover and won’t provide any benefits for pregnancy or obstetrics services. Generally, only gold and certain silver plus hospital policies provide coverage for pregnancy and birth services.
If you have an existing single parent or family health insurance policy, adding a newborn baby is simply a matter of contacting your insurer and requesting that your baby is added to your policy. You’ll be required to give your insurer details about your baby such as:
However, there are time limits for adding a new baby, so this task is best done as soon as possible after your baby’s birth. Some funds require a new baby to be added within three days of birth, while others may allow up to two months to add a new child to a policy.
If you currently hold a singles or couples policy which isn't open to families, adding a newborn baby may require you to change to one for single parents or a family policy. If you’re also intending to increase the tier of hospital cover you hold, such as to a policy which includes obstetrics cover, this may involve serving additional waiting periods. For this reason, as mentioned above, you should look at making the switch well before you intend to get pregnant, as a 12-month waiting period often applies for pregnancy and birth cover.
Adding a new baby to a family or single parent policy can be done free of charge (assuming the policy you hold allows children to be added.)
The cost of a single parent or family health cover policy will typically be higher than that of a single person and may also cost more than a couples policy. This is because the health fund is covering the health costs of more individuals in a family group policy.
Because the cost of health insurance policies can vary so much in terms of the cover they provide and their cost, it’s important to compare policies carefully before deciding which one is right for your individual needs.
You can do just that from a variety of respected insurers through Savvy. We make the process of comparing simple, so start considering your free, no-obligation quotes side-by-side through us today.
Our comparison tool doesn’t cost you a cent, allowing anyone to compare offers from trusted insurers around Australia for free.
You can consider the inclusions, premiums, benefits and other key factors easily with us, whether you’re at home or on the go.
Considering offers from trusted insurance providers can help give you peace of mind that you’re comparing high-quality policies.
Read one of our helpful guides on a range of different ailments and potential hospital or extras treatments to help you find out if they're covered.
Disclaimer:
Savvy is partnered with Compare Club Australia Pty Ltd (AFS representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326) to provide readers with a variety of health insurance policies to compare. Savvy earns a commission from Compare Club each time a customer buys a health insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via Compare Club.
Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.
Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by Compare Club or how their business works, you can read their Financial Services Guide.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
