Assisted Reproductive Services (including IVF)

Assisted Reproductive Services (ARS) enables couples experiencing fertility issues to achieve pregnancy by artificial or partially artificial methods. It’s more commonly known as ‘fertility treatment’.

In Vitro Fertilisation (IVF) is a common type of ARS. It is a service that helps women achieve pregnancy with the help of medical treatment. It is used to overcome a range of fertility issues including sperm antibodies, endometriosis or unexplained infertility. Treatment is administered by a fertility specialist, who is supported by a team of nurses, counsellors and scientists.

ARS are separate from maternity, which is a service with its own inclusions and waiting period.

This is simply a definition of ARS, and not an indication of what HBF covers. For more information about what HBF covers for ARS, please see 'Things you need to know about Assisted Reproductive Services'.

You might need Assisted Reproductive Services if you...

  • Would like to have a baby but are having problems conceiving naturally

Things you need to know about Assisted Reproductive Services

Conditions

A benefit is only payable when you're admitted to hospital as an inpatient for services listed in the Medicare Benefit Schedule. For all other situations, you may incur a significant out-of-pocket expense.

More information

For more specific information and benefits covered under each policy, visit the Hospital product or package page, or please call us on 133 423.

Waiting period

IVF and other assisted reproductive services are generally required due to an underlying, pre-existing condition. Therefore, in most instances, a 12 month pre-existing waiting period applies for this service.

If there is no pre-existing condition, the waiting period for this service is 2 months.

We will honour waiting periods already served more info

Products that include cover for Assisted Reproductive Services (including IVF)

Assisted Reproductive Services (including IVF) is a Hospital service, and is included in the following cover options.

Hospital and Extras Packages

Smart Saver Twin Pack
From
$29.35 (i)
per week
  • Waiting Period
    2 Months (12 months for pre-existing ailments)
Ultimate Package
From
$90.55 (i)
per week
  • Waiting Period
    2 Months (12 months for pre-existing ailments)

Hospital Only

Healthy Saver Hospital
From
$28.45 (i)
per week
  • Waiting Period
    2 Months (12 months for pre-existing ailments)
Top Hospital
From
$30.15 (i)
per week
  • Waiting Period
    2 Months (12 months for pre-existing ailments)