Calculating the cost of having a baby at a private hospital can be difficult and frustrating. There are so many factors affecting whether you'll be covered for delivering your baby in a private hospital.
Some of the factors whether you’re covered for private maternity include:
Whether you have private health insurance at all.
If you become pregnant without private health insurance, there’s currently no way of getting instant private health cover for pregnancy and birth related expenses in Australia.
Whether you’ve served out the waiting period for pregnancy
When you take out private insurance for pregnancy, it’s usually a year before the health insurance cover kicks in to cover private care for delivery.
The level of private health cover
Most importantly now, since April 2019, there is a government requirement for all health insurers to comply with a new tiered system, simplified to Bronze, Silver and Gold. Pregnancy, IVF and and birth are covered only in the Silver Plus and the Gold tiers of private health insurance.