How to Claim
As you may know, private hospital insurance covers most of your baby's birth. On average, you might find yourself claiming around $7,000 - but in some cases if special neo-natal care is needed it could even be closer to $20,000.
Doctors and Hospital Bills
Doctors and hospitals bill separately, so you'll usually find that you get a few separate bills. As a general rule, most doctors send their bills directly to us and we'll liaise with Medicare and pay the combined HBF and Medicare benefit to the doctor. If there is a gap, the doctor will then send out a separate bill directly to you.
The hospital will also bill us directly for things like accommodation and theatre fees. There aren't usually gaps for theatre fees for maternity stays.
You'll also have costs for your obstetrician visits and ultrasounds before the birth. These are just like your normal doctor's bills, so you just claim directly through Medicare. This is because legislatively, private health insurers can only cover medical treatment you receive when you're admitted to a hospital as a patient.
The Billing Process
The billing process does sometimes vary. For more information you can read Your hospital stay, call us before you go into hospital or ask your HBF Hospital Liaison Officer if you get a visit in hospital.
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Smart Saver
Twin PackPerfect if you want cover for hospital treatments and the choice of a single or shared room. You can choose your doctor, avoid waiting lists, and choose an excess to keep your premium down.
from
$19.35^ per week Get a quote Recommended -
Healthy Saver
HospitalThis is a good option for young couples and families, as it covers most treatment including maternity, but excludes a few treatments that aren't as common for people your age (like joint replacement and heart procedures).
from
$19.00^^ per week Get a quote -
Top Hospital
Perfect if you want cover for all hospital treatments and the choice of a single or shared room. You can choose your doctor, avoid waiting lists, and choose an excess to keep your premium down.
from
$26.00^^^ per week Get a quote
Terms and Conditions
^A single Smart Saver Twin Pack policy costs $1006.30pa based on WA rates, which is the equivalent of $19.35 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.
^^A single Healthy Saver Hospital policy costs $986.15pa based on WA rates, which is equivalent to $19.00 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.
^^^A single Top Hospital policy costs $1,350.70pa based on WA rates, which is the equivalent of $26.00 a week when paid annually by direct debit after deducting the Federal Government 30% Rebate on private health insurance with no Lifetime Health Cover loading.
*See book promotion terms and conditions.
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