Baby Health Insurance

Compare quotes for health insurance options to cover your baby here through Savvy. 

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, updated on July 6th, 2023       

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Health Insurance Banner - Mother showing her baby something on a tablet

We’ve partnered with Compare Club to bring you a range of health insurance policies to help you compare them side by side.

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.

What health insurance options are there for the parents of a new baby?

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: 

  • A family health insurance policy – typically for two adults and dependent children up to the age of 25 (or 31 with some insurers) 
  • A single parent policy – typically for one adult and dependent children up to the age of 25 (or 31 with some insurers)  

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

  • Hospital cover – assists with the costs associated with being admitted to hospital, including admission to a birthing suite or maternity ward to have a baby 
  • Extras cover – includes all those services and treatments you receive in a community or non-hospital setting, such as dental, optical, physio and chiropractic treatment 
  • Combined hospital and extras – which is a policy offering both the above types of cover in one single package 

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:

  • Basic cover – which only covers very limited hospital services, such as psychiatric services, rehabilitation and palliative care 
  • Bronze cover – which often includes the same cover as a basic policy, with additional cover typically offered for up to 18 further clinical categories 
  • Silver cover – which is another step up from bronze cover, potentially offering cover for as many as 29 further clinical categories 
  • Gold cover – the highest level of cover available, which can offer cover for all clinical categories including pregnancy and birth 

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. 

How do you add a new baby to a health insurance policy?

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: 

  • Full name  
  • Date of birth  
  • Name of the mother (or both parents) 

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. 

How much does it cost to add a baby to a health insurance policy?

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.  

Types of health insurance

Why compare health insurance through Savvy?

Frequently asked questions about health insurance for a baby

Are newborn babies covered by Medicare?

Medicare can cover some of the costs of medical care for your baby both during your pregnancy and from the moment of birth. However, this free care is provided in the public hospital system. If you have private health insurance and choose to give birth in a private maternity unit or birthing suite, you will also need private health cover for your baby to ensure they can be treated in the same facility as you as a private patient.  

What is a Newborn Child Declaration Form?

A Newborn Child Declaration Form is an official form which you will need to fill in to enrol your newborn baby with Medicare. A Proof of Birth declaration will need to be signed by the doctor or midwife who was witness to the birth. This form is usually provided to new mothers in a Parent Pack supplied by your hospital or midwife. 

What is the cost of having a baby in a private hospital if I don’t have health insurance?

The cost of having a baby in a private hospital if you don’t have health cover can amount to tens of thousands of dollars. In addition to hospital admission fees, theatre fees and anaesthetic fees, you'll also have to pay the gap fees charged by your gynaecologist, midwife and/or anaesthetist. These could be particularly expensive if you suddenly require an unplanned caesarean section or your baby requires critical care in a special care nursery after birth. Taking out health insurance in advance of your baby’s birth could help you avoid a large portion of these costs. 

Will I have to pay a hospital excess if my baby has to be admitted to a neonatal intensive care unit after birth?

You may not have to pay an excess if your baby is admitted to a different unit or hospital for specialist treatment after birth, as many health funds waive hospital excess fees for newborns. However, you should check with your health fund to make sure you know the exact rules which apply to the policy you’ve bought and whether any co-payment fees apply for hospital admission.  

What are the advantages of having private health insurance during pregnancy and after giving birth?

Having pregnancy and obstetrics cover will enable you to have more choices surrounding your prenatal care and childbirth. These are some of the benefits you should consider when deciding if it’s worth having private health insurance during pregnancy and birth: 

  • Having a choice about which hospital you attend to give birth and receiving treatment as a private patient 
  • Possibly having your own private room in either a public or private hospital 
  • Possibly being able to have your partner or support person stay with you after the birth 
  • Having a choice about the midwife and obstetrician who treat you

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