Keep your cover (& Save $$$) while growing your family

Planning for a larger family? It’s smart to think ahead about your family’s health cover.

Review your health cover before any new arrivals get here. Speak to a health cover expert about which hospital tier best suits you when you’re planning to grow your family.

Learn about the additional benefits you’ll need when planning for pregnancy, such as prenatal and postnatal extras, and the right level of hospital cover.

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Did you know that some pregnancy cover comes with longer waiting periods?

It’s true - most health insurers require you serve a 12 month waiting period before claiming any pregnancy-related costs.

Plus not all levels of cover include pregnancy care.

Why does this matter to your growing family?

Fair question - while having your baby is magical, growing your family still comes with a hefty price tag. Some costs (like nappies) are easy to plan for, but others (like hospital fees or unexpected scans) can take you by surprise. That kind of stress is bad for baby, and for you.

Getting an idea of costs in advance - along with what you’ll get from Medicare (and what you won’t) - is smart thinking. With a little forward-planning from the folks who do the research (that’s us), you can welcome your new arrival with less stress and more joy.

What kind of costs are we talking about?

Some common expenses include:

Service / Procedure

Approx. Out of Pocket Costs^

Covered by Medicare?

GP visits & ultrasounds

Up to $500.

Bulk billed GPs and some pathology. Check with your practitioner.=

Specialist obstetrician of your choice

$3,000-$5,000+ (minus scheduled fee).

Medicare covers the scheduled fee only.You’ll need to pay the rest.

Blood tests & pathology

Up to $150.

Only in a public hospital and if deemed essential. Can be bulk billed - check with your practitioner.

Hospital stay as a private patient

$8,000-$15,000 (without insurance).With insurance it can cost as little as $500-$1,000 for a private room.*

Only in a public hospital ward when admitted as a public (Medicare) patient, without choice of doctor.

Birthing classes

$100–$400

No.

C-section as a private patient

Up to $14,700 (without insurance). With insurance can be as little as $800.*

Only in a public hospital ward when admitted as a public (Medicare) patient, without choice of doctor.

Note: Prices vary by location, provider, and level of cover. Always confirm with your insurer or hospital.

How do we know?

Our team of health cover experts read the health insurance fine print, so you don’t have to. That’s how we know that reviewing your cover can help you make surprising savings, and plug any holes in your care costs.

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If you’re planning for a new arrival, check your policy limits - not just for your pregnancy, but for afterwards as well. This helps you plan your recovery as well as ensuring your little one is as protected as possible.

Don’t get caught out by waiting periods.

Switch to a cover that includes prenatal and postnatal care as soon as possible. Speak to an expert today:

Being as prepared as possible can pay off for your family:

Getting the right health insurance in place early can help reduce your stress - and your expenses - when you need this the most.

The proof is in your savings:

This comparison service# has saved customers an average of $295** on their annual health cover costs over the past five years.#

Isn’t that worth a conversation?

*Source: Medical Costs Finder‍^Source: Kin Fertility*Trustpilot results 2025 **$295 based on 239,107 sold over the past 10 years. #HealthMatch’s comparison service is provided by the team of health insurance experts at Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.

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