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Baby health insurance

Is your baby automatically covered by your health insurance? Find out more about family cover.

If you're a parent, you know the importance of health insurance when it comes to covering the costs associated with pregnancy. But one common question new parents ask is, "Is my new baby automatically covered by my health insurance?"

Generally, your newborn won't be covered until you've contacted your health fund and added them to your policy.

Keep reading to find out more about babies and health insurance.

Find out what policies are available and compare your options

Details Features
High 65 / 75 / 85% - $0/$250/$500 Excess
High 65 / 75 / 85% - $0/$250/$500 Excess
Combines High Hospital Cover with its highest level of extras cover.
  • Cover starting from $44.74 weekly
  • 12 month waiting period for pregnancy
  • 65% back on extras
  • Choice of $0, $250 and $500 excess
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Premier Package
Premier Package
Top tier combined hospital and extras policy that covers you for an extensive range of hospital and general treatment services.
  • All the benefits of HCI's Premier Hospital policy
  • All the benefits of HCI's Premier Extras policy
  • Cover for pregnancy and IVF treatment
  • Cover for general and major dental
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Deluxe flexi
Deluxe flexi
Deluxe flexi provides cover for a range of treatments including hip replacement, spinal fusion, dialysis and major eye surgery.
  • No excess for kids
  • All joint replacements
  • Major eye surgery
  • Rehabilitation
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Smart Combination
Smart Combination
Smart combination provides a high level of cover for both hospital and extras.
  • Claim up to $2725 back on extras
  • Hip and knee replacements
  • General and major dental
  • Physio
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Combined cover designed to suit young people who want value money health insurance, but don’t want to pay for services that they may not use. Restricted fund: Only current and former members of an education union and their families can join.
  • Cover for 5 key services in a private hospital
  • Access Gap Cover
  • $500 general dental annual limit
  • $150 Healthy Lifestyle annual limit
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Highest level of combined cover offered by CBHS. Includes the same benefits as Comprehensive Hospital and Top Extras plus more. Restricted fund: Only current or former staff (and their families) of Commonwealth Bank Group and their subsidiaries which include Aussie, Bankwest, Colonial First State and more can join.
  • No excess or co-payments on hospital cover
  • Non-student dependent under 25 can be kept on policy
  • Access to Chronic Disease Management Programs
  • Widest range of extras including orthodontics
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Bronze Hospital (no pregnancy) and Bronze Extras Set Benefits
Bronze Hospital (no pregnancy) and Bronze Extras Set Benefits
High level of hospital cover and extras cover for a range of popular services including knee and should reconstructions.
  • Most comprehensive hospital options
  • Cover for general and major dental
  • Shared or single room in a private hospital
  • Intensive and coronary care
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Premium Hospital and Silver Extras Cover
Premium Hospital and Silver Extras Cover
Comprehensive hospital cover including pregnancy cover. Also included affordable mid-level extras cover for dental, optical and therapies.
  • Cover from $39.50 per week
  • Pregnancy and birth-related services cover
  • Heart surgery cover
  • 100% cash back on two dental check per year
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Top Hospital with Top Extras
Top Hospital with Top Extras
Get comprehensive hospital and extras cover and tailor your policy to your needs.
  • Pregnancy and birth services cover
  • Back surgery cover
  • $1000 general dental annual limit
  • $600 physiotherapy annual limit
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Young Couples Combined Cover
Young Couples Combined Cover
Mid-level hospital and basic level Extras package with an excess for young, healthy couples that are not quite ready to start a family.
  • Emergency ambulance cover
  • Cancer-related surgery cover
  • 70% back on extras
  • $300 dental annual limit per person
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Premium hospital cover with complete cover for hospital expenses. Save 4% when you pay for 12 months of your cover upfront.
  • All theatre fees covered
  • Unlimited maternity cover
  • Choose no excess or $200, $400, $500 per admission
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Do babies need private health insurance?

Every parent wants to be able to give their children the best possible care no matter how old they are, but we’re especially eager to make sure that our babies can always receive the health care they need. Your little bundle of joy is the most important member of your family and has a wide range of specialist medical needs, so how can you make sure all those needs are looked after?

In an emergency situation, the cost of the medical care your baby receives will most likely be covered by Medicare.

However, Medicare certainly doesn’t provide comprehensive coverage for all the medical expenses your little one will incur, so taking out private health insurance can also be a worthwhile option.

The good news is that it’s easy to add your newborn to your existing private health insurance policy, and there are many benefits if you do so. Private health insurance allows you to give your child the treatment they need, in the hospital you choose, and from the doctor or specialist you select. It can also help you avoid public hospital waiting lists, and ensure that you don’t have any out-of-pocket expenses for things like your child’s visit to the dentist.

Once you add your child to your private health insurance policy, they will be covered until at least 18 years of age, or up to the age of 25 if they remain dependent on you. This means that all those childhood injuries and illnesses, x-rays on broken bones, dental check-ups and fillings and so much more will be covered by your private health fund.

Although private health insurance for babies isn’t a necessity, it is a smart long-term investment for you and your family. Family health insurance policies can be tailor-made to suit your children as they grow from newborns into young children, teenagers and young adults. No matter what unexpected medical emergencies and events may arise in your child’s life, having private health insurance means you’ll have the essential financial protection you need.

Case Study

How does family health cover benefit babies?

Family health insurance can provide a long list of benefits for babies. Take the example of Brad and Lisa, for instance, who added their daughter Sarah to their health insurance policy before she was born. When a severe case of bronchiolitis struck Sarah at six weeks of age and the poor newborn was struggling to breathe, Brad and Lisa had no choice but to call an ambulance.

Paramedics arrived within minutes and rushed Sarah to hospital, where she stayed for four days before making a full recovery. Not only did Brad and Lisa’s private health insurance cover the cost of their daughter’s hospital accommodation and treatment, but it also covered the ambulance call-out and transport fee of more than $500. Their investment in private health insurance was money well spent.

This is just one example of the advantages private health insurance offers, and it’s best to make sure your baby is covered well before they are born. If your baby is born with birth defects or other health problems and you already have private health insurance in place (and have served any relevant waiting periods), any treatment your newborn requires will be covered by your insurance. But if you wait until after birth to add your child to your policy, your little one’s health problems will be classed as pre-existing conditions and won’t be covered by your insurer.

Of course, private health insurance can provide many other benefits throughout a child’s life. These include:

  • Getting waiting periods out of the way. By including your child on your health insurance policy as soon as possible, you’ll be able to serve any necessary waiting periods so your loved ones can get the cover they need later in life. For example, if your policy has a 12-month waiting period for orthodontics, you don’t want to wait until their baby teeth start falling out before adding them to your policy – if you do, you could have to cover expensive dental bills out of your own pocket.
  • Protection against the unexpected. Life is unpredictable and you never know what is waiting around the next corner. For example, according to the Australian Institute of Health and Welfare Emergency department care 2014–15, a total of 886,718 Australian children aged between zero and 14 years were taken to emergency departments around the country. Accidents and unexpected illnesses occur all the time, so private health insurance protects against whatever the future may hold.
  • Avoid public hospital waiting lists. In 2014-15, the median public hospital waiting time for elective surgery was 35 days, while 1.8% of patients had to wait more than 365 days to undergo surgery. With private health insurance cover, your child can avoid public hospital waiting lists and receive treatment in a private hospital.
  • Cover for a wide range of expenses. From hospital treatment, surgery and accommodation to ambulance transport, dental treatment, glasses and many other extras, private health insurance can cover an extensive range of healthcare expenses. Private health insurance can help ensure that your kids always get the treatment they need and that your out-of-pocket medical expenses are kept to a minimum.

Compare your family health cover options today

Picture: Shutterstock

Richard Laycock

Richard is the senior insurance writer at and is on a mission to make insurance easier to understand.

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