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Cover for pregnancy

Looking to start a family or welcome a new member soon~? HCF cover for pregnancy supports you through your journey, making sure you and your baby have the care you need.

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A pregnant mother sits on the couch with her partner and child who kisses her pregnant belly.

why choose hcf cover for pregnancy?

Whether it's parents-to-be or families welcoming a newborn to the household, select HCF Corporate Care Gold Hospital^^ cover combined with an extras cover that works for you from the fund that puts its members' health first.

A location pin icon

Choose your own doctor and the hospital where you feel most comfortable for your baby's birth~.

A fetus icon

Access a range of prenatal and postnatal support services through selected extras cover^.

An icon of a hospital bed.

Get your own private room during your hospital stay, so long as the facility has a room available.

A hospital building icon.

Access lower or no-gap hospital services, excluding excess, through our extensive network of participating hospitals.

Find the right health cover for pregnancy

I am looking for

single couple family single parent

I’m

under 31 31 - 44 45 - 64 65 - 69 70 and above

and live in

NSW VIC QLD SA WA TAS ACT NT

My annual

My annual income is

$105,000 or less $105,001 - $123,000 $123,001 - $164,000 $164,001 or more prefer not to specify
$210,000 or less $210,001 - $246,000 $246,001 - $328,000 $328,001 or more prefer not to specify
Weekly Fortnightly Monthly Quarterly Half yearly Yearly

Hospital and extras cover

HCF Corporate Care Gold Hospital and HCF Corporate Flexi Extras Advanced

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Highest level of hospital cover and flexibility to spend your combined limits however you want, plus a separate optical limit.

  • No excess for same-day hospital admissions~.
  • Cover for joint replacements, rehab, heart and vascular system.
  • Claim on HCF-approved pregnancy services like childbirth education classes and more^.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Non-emergency ambulance transport means transport by a State Government-provided ambulance that's requested because your medical condition requires a level of support and medical monitoring in transit that only an ambulance service can provide. Non-emergency ambulance transport must be requested by your treating doctor to be considered for an HCF benefit. Members can claim up to a maximum of $5,000 in a calendar year for non-emergency ambulance transport.

    Waiting Period: 2 months

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

    Waiting Period: 12 months

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

  • Annual limit: $225

    Spectacle frames: 100% back up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% back up to annual limit

    Contact lenses - pair: 100% back up to annual limit

  • Combined annual limit: $850

    2 dental check-ups a year with 100% back at More for Teeth dentists in our No-Gap network that doesn’t count towards your annual limits (excludes fluoride treatment on second check-up)

    For example:

    Examinations: 60% back up to annual limit

    Removal of plaque / calculus: 60% back up to annual limit

    Single film x-rays: 60% back up to annual limit

    Direct fillings: 60% back up to annual limit

  • Combined annual limit: $850

    For example:

    Surgical extractions: 60% back up to annual limit

    Indirect fillings: 60% back up to annual limit

    Treatment of root canals: 60% back up to annual limit

    Placing of crowns and bridges: 60% back up to annual limit

  • Combined annual limit: $850
    Lifetime limit: $1800

    Orthodontics: 100% back up to annual limit

  • Combined annual limit: $850

    Physiotherapy: 60% back up to annual limit

    Exercise physiology: 60% back up to annual limit

  • Combined annual limit: $850

    Chiropractic: 60% back up to annual limit

    Osteopathy: 60% back up to annual limit

  • Combined annual limit: $850

    (including 1 pair of foot orthotics per person per year)

    Podiatry consultation: 60% back up to annual limit

    Orthotist/Prosthetist and Pedorthist consultation: 60% back up to annual limit

  • Combined annual limit: $0

    Audiology: 0% back up to annual limit

  • Combined annual limit: $850

    Speech pathology: 60% back up to annual limit

  • Combined annual limit: $850

    Occupational therapy: 60% back up to annual limit

  • Combined annual limit: $850

    Dietetics: 60% back up to annual limit

  • Combined annual limit: $850

    Orthoptic therapy: 60% back up to annual limit

  • Combined annual limit: $850

    Psychology (includes group consultations): 60% back up to annual limit

    HCF-approved counselling & accredited mental health social worker includes group consultations: 60% back up to annual limit

    HCF-approved Online Cognitive Behavioural Therapy courses: 100% back up to annual limit

  • Combined annual limit: $850

    Remedial massage and myotherapy: 60% back up to annual limit

  • Combined annual limit: $850

    Acupuncture and Chinese herbal medicine consultation: 60% back up to annual limit

  • Combined annual limit: $850

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): 60% back up to annual limit

  • Combined annual limit: $850

    Vaccines - HCF-approved: 60% back up to annual limit

  • Combined annual limit: $0

    Artificial aids HCF approved e.g. low vision aids: 0% back up to annual limit

  • Combined annual limit: $0

    Hearing aids: 0% back up to annual limit

  • Combined annual limit: $850

    HCF-approved e.g. exercise classes, Pilates, yoga, tai-chi, weight management, perimenopause/menopause health check: 60% back up to annual limit

  • Combined annual limit: $850

    Prenatal/antenatal services - Pregnancy compression garments, childbirth education and lactation consultation: 60% back up to annual limit

  • Tops up your annual limit by $400, per person per calendar year, when claiming as a result of an accident^^.

    ^^ Can be used for 2 years after the accident provided you make the first extras claim within 6 months of the accident.

    Accident benefit: 60% back up to annual limit

  • Combined annual limit: $0

    Travel and Accommodation (200km round trip): 0% back up to annual limit

View product summary

Most popular

Hospital and extras cover

HCF Corporate Care Gold Hospital and HCF Corporate Classic Starter Extras

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Our highest level of hospital cover, and extras cover for essential services like general dental and optical.

  • No excess for same-day admissions~.
  • Cover for pregnancy and birth-related services and assisted reproductive services like IVF.
  • Cover for everyday services like physio, remedial massage and more.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Non-emergency ambulance transport means transport by a State Government-provided ambulance that's requested because your medical condition requires a level of support and medical monitoring in transit that only an ambulance service can provide. Non-emergency ambulance transport must be requested by your treating doctor to be considered for an HCF benefit. Members can claim up to a maximum of $5,000 in a calendar year for non-emergency ambulance transport.

    Waiting Period: 2 months

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

    Waiting Period: 12 months

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

  • Annual limit: $150

    Spectacle frames: 100% back up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% back up to annual limit

    Contact lenses - pair: 100% back up to annual limit

  • Annual limit: $450

    2 dental check-ups a year with 100% back at More for Teeth dentists in our No-Gap network that doesn’t count towards your annual limits (excludes fluoride treatment on second check-up)

    For example:

    Examinations: 50% back up to annual limit

    Removal of plaque / calculus: 50% back up to annual limit

    Single film x-rays: 50% back up to annual limit

    Direct fillings: 50% back up to annual limit

  • Annual limit: $0

    For example:

    Surgical extractions: 0% back up to annual limit

    Indirect fillings: 0% back up to annual limit

    Treatment of root canals: 0% back up to annual limit

    Placing of crowns and bridges: 0% back up to annual limit

  • Annual limit: $0

    Orthodontics: 0% back up to annual limit

  • Annual limit: $200

    Physiotherapy: 50% back up to annual limit

    Exercise physiology: 50% back up to annual limit

  • Annual limit: $0

    Chiropractic: 0% back up to annual limit

    Osteopathy: 0% back up to annual limit

  • Annual limit: $0

    Podiatry consultation: 0% back up to annual limit

    Orthotist/Prosthetist and Pedorthist consultation: 0% back up to annual limit

  • Annual limit: $0

    Audiology: 0% back up to annual limit

  • Annual limit: $0

    Speech pathology: 0% back up to annual limit

  • Annual limit: $0

    Occupational therapy: 0% back up to annual limit

  • Annual limit: $0

    Dietetics: 0% back up to annual limit

  • Annual limit: $0

    Orthoptic therapy: 0% back up to annual limit

  • Annual limit: $100

    Psychology (includes group consultations): 0% back up to annual limit

    HCF-approved counselling & accredited mental health social worker includes group consultations: 50% back up to annual limit

    HCF-approved Online Cognitive Behavioural Therapy courses: 100% back up to annual limit

  • Annual limit: $100 per person

    Remedial massage and myotherapy: 50% back up to annual limit

  • Annual limit: $0

    Acupuncture and Chinese herbal medicine consultation: 0% back up to annual limit

  • Annual limit: $0

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): 0% back up to annual limit

  • Annual limit: $0

    Vaccines - HCF-approved: 0% back up to annual limit

  • Annual limit: $0

    Artificial aids HCF approved e.g. low vision aids: 0% back up to annual limit

  • Annual limit: $0

    Hearing aids: 0% back up to annual limit

  • Annual limit: $100 per person

    HCF-approved e.g. exercise classes, Pilates, yoga, tai-chi, weight management, perimenopause/menopause health check: 50% back up to annual limit

  • Annual limit: $0

    Prenatal/antenatal services - Pregnancy compression garments, childbirth education and lactation consultation: 0% back up to annual limit

  • Tops up your annual limit by $200, per person per calendar year, when claiming as a result of an accident^^.

    ^^ Can be used for 2 years after the accident provided you make the first extras claim within 6 months of the accident.

    Accident benefit: 50% back up to annual limit

  • Annual limit: $0

    Travel and Accommodation (200km round trip): 0% back up to annual limit

View product summary

Hospital and extras cover

HCF Corporate Care Gold Hospital and HCF Corporate Classic Premium Extras

From $0.0* /week

From

$0.0* /week

Price includes combined cover

Hospital excess

Highest level of hospital cover, combined with high annual limit extras and services, so you're covered for almost everything.

  • Cover for pregnancy and birth-related services and assisted reproductive services like IVF.
  • Access health programs like mental health, weight management, and more**.
  • Cover for everyday services like physio, remedial massage and more.

  • Cover for emergency ambulance transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility), or on-the-spot treatment by paramedics. Benefits aren’t payable for ambulance services covered by a State or Territory government scheme.

    Waiting Period: 1 day

  • Non-emergency ambulance transport means transport by a State Government-provided ambulance that's requested because your medical condition requires a level of support and medical monitoring in transit that only an ambulance service can provide. Non-emergency ambulance transport must be requested by your treating doctor to be considered for an HCF benefit. Members can claim up to a maximum of $5,000 in a calendar year for non-emergency ambulance transport.

    Waiting Period: 2 months

  • Hospital treatment for physical rehabilitation for a patient related to surgery or illness. E.g. inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.

    Waiting Period: 2 months

  • Hospital treatment for the care and management of patients with psychiatric, mental health, addiction or behavioural disorders. E.g. mood disorders like depression, eating disorders, addiction recovery, and psychoses like schizophrenia.

    Members who have held hospital cover for at least 2 months and upgrade to Gold hospital cover to receive hospital psychiatric services as covered services may not be required to serve the waiting period for hospital psychiatric services. This exemption can only be accessed once in a member's lifetime.

    Waiting Period: 2 months

  • Hospital treatment and care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Waiting Period: 2 months

  • Hospital treatment to investigate and treat the brain and brain conditions, the spinal cord, and the peripheral nervous system. E.g. stroke, brain or spinal cord tumours, head injuries and Epilepsy and Parkinson’s disease.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the eyes and eye socket contents, excluding cataracts. E.g. retinal detachment, tear duct conditions, eye infections and medically managed eye trauma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the ear, nose, throat and related areas of the head and neck. E.g. damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the tonsils, adenoids and insertion or removal of grommets. E.g. tonsillectomy and adenoidectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. E.g. carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and surgery for bone cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the reconstruction of joints and associated structures. E.g. torn tendons, rotator cuff tears and damaged ligaments.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat kidney, adrenal gland, and bladder conditions. E.g. kidney stones, adrenal gland tumour and incontinence.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the male reproductive system, including the prostate. E.g. male sterilisation, circumcision and prostate cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat diseases and disorders affecting the digestive system. E.g. oesophageal cancer, irritable bowel syndrome, gallstones and haemorrhoids.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of hernias and appendicitis. E.g. hernia operations and appendectomy.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate, diagnose and treat the gastrointestinal system internally using an endoscope. E.g. colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of the female reproductive system. E.g. endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat a miscarriage or to terminate a pregnancy. E.g. dilation and curettage (D&C), management of ectopic pregnancy and surgical termination.

    Waiting Period: 2 months

  • Hospital treatment for chemotherapy, radiotherapy and immunotherapy to treat cancer or benign tumours.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for pain management that doesn’t need a device to be inserted or managed. E.g. treatment of nerve pain and chest pain due to cancer through procedures like nerve block injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for the investigation and treatment of skin-related conditions and nails. E.g. surgery to remove a melanoma, minor wound repair and abscesses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat breast disorders and associated lymph nodes, and reconstruction and/or reduction after breast surgery or a preventative mastectomy. E.g. breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and manage diabetes, excludes insulin pumps. E.g. stabilisation of hypo- or hyper-glycaemia and addressing contour problems caused by insulin injections.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the heart, heart-related conditions, and the vascular system. E.g. heart failure, heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat conditions affecting the lungs and chest. E.g. lung cancer, respiratory disorders like asthma and pneumonia, and trauma to the chest.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat blood-related conditions and disorders. E.g. blood clotting disorders and bone marrow transplants.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate and treat the back, neck and spinal column, including spinal fusion. E.g. sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders like scoliosis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. E.g. burns requiring a graft, cleft palate, club foot and angioma.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for teeth and gum surgery. E.g. surgery to remove wisdom teeth and dental implant surgery.

    Waiting Period: 2 months
    (12 months pre-existing)

  • Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Limited benefits apply. Minimum Benefit level payable by HCF for Hospital accommodation as determined under the Private Health Insurance Act and the cost of prosthesis (as listed on the Prescribed List of Medical Devices and Human Tissue Products). No benefit is payable for podiatric surgeon fees. Ensure you have Informed Financial Consent prior to your treatment, for any out-of-pocket expenses.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery to remove a cataract and replace it with an artificial lens.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. E.g. knee, hip, shoulder, wrist, finger, toe or ankle joint replacements.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for dialysis to manage chronic kidney failure, including both haemodialysis and peritoneal dialysis.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for investigation and treatment of conditions associated with pregnancy and childbirth. E.g. prenatal care, childbirth (vaginal or caesarean) and postnatal recovery.

    Waiting Period: 12 months

  • Hospital treatment for fertility treatments or procedures. E.g. egg or sperm retrieval, In Vitro Fertilisation (IVF) and Gamete Intra-fallopian Transfer (GIFT).

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment for surgery that’s designed to reduce a person’s weight, remove excess skin because of weight loss, and reverse a bariatric procedure. E.g. gastric bypass, sleeve gastrectomy and adjustable gastric banding.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to provide and replace insulin pumps to treat diabetes, including certified Type C procedures and certified overnight Type C procedures to treat diabetes.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to implant, replace, or for other surgical device management for pain treatment. E.g. nerve pain and back pain treatment, pain caused by coronary heart disease with a device.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • Hospital treatment to investigate sleep patterns and anomalies. E.g. sleep apnoea and snoring.

    Waiting Period: 2 months
    (12 mths pre-existing)

  • The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

    Waiting Period: 12 months

  • Annual limit: $250

    Spectacle frames: 100% back up to annual limit

    Spectacle lenses - pair (excludes add-ons such as high index material, coatings and tinting): 100% back up to annual limit

    Contact lenses - pair: 100% back up to annual limit

  • Annual limit: $700

    2 dental check-ups a year with 100% back at More for Teeth dentists in our No-Gap network that doesn’t count towards your annual limits (excludes fluoride treatment on second check-up)

    For example:

    Examinations: 70% back up to annual limit

    Removal of plaque / calculus: 70% back up to annual limit

    Single film x-rays: 70% back up to annual limit

    Direct fillings: 70% back up to annual limit

  • Annual limit: $950

    For example:

    Surgical extractions: 70% back up to annual limit

    Indirect fillings: 70% back up to annual limit

    Treatment of root canals: 70% back up to annual limit

    Placing of crowns and bridges: 70% back up to annual limit

  • Annual limit: $800
    Lifetime limit: $1800

    Orthodontics: 100% back up to annual limit

  • Annual limit: $500

    Physiotherapy: 70% back up to annual limit

    Exercise physiology: 70% back up to annual limit

  • Annual limit: $400

    Chiropractic: 70% back up to annual limit

    Osteopathy: 70% back up to annual limit

  • Annual limit: $300

    (including 1 pair of foot orthotics per person per year)

    Podiatry consultation: 70% back up to annual limit

    Orthotist/Prosthetist and Pedorthist consultation: 70% back up to annual limit

  • Annual limit: $200

    Audiology: 70% back up to annual limit

  • Annual limit: $200

    Speech pathology: 70% back up to annual limit

  • Annual limit: $300

    Occupational therapy: 70% back up to annual limit

  • Annual limit: $250

    Dietetics: 70% back up to annual limit

  • Annual limit: $200

    Orthoptic therapy: 70% back up to annual limit

  • Annual limit: $450

    Psychology (includes group consultations): 70% back up to annual limit

    HCF-approved counselling & accredited mental health social worker includes group consultations: 70% back up to annual limit

    HCF-approved Online Cognitive Behavioural Therapy courses: 100% back up to annual limit

  • Annual limit: $200

    Remedial massage and myotherapy: 70% back up to annual limit

  • Annual limit: $200

    Acupuncture and Chinese herbal medicine consultation: 70% back up to annual limit

  • Combined annual limit for HCF-approved Pharmacy and Vaccines: $300

    HCF approved pharmacy (After PBS equivalent co-payment subtracted): 70% back up to annual limit

  • Combined annual limit for HCF-approved Pharmacy and Vaccines: $300

    Vaccines - HCF-approved: 70% back up to annual limit

  • Annual limit: $300

    Artificial aids HCF approved e.g. low vision aids: 70% back up to annual limit

  • Annual limit: $600

    Hearing aids: 70% back up to annual limit

  • Annual limit: $200

    HCF-approved e.g. exercise classes, Pilates, yoga, tai-chi, weight management, perimenopause/menopause health check: 70% back up to annual limit

  • Annual limit: $200

    Prenatal/antenatal services - Pregnancy compression garments, childbirth education and lactation consultation: 70% back up to annual limit

  • Tops up your annual limit by $500, per person per calendar year, when claiming as a result of an accident^^.

    ^^ Can be used for 2 years after the accident provided you make the first extras claim within 6 months of the accident.

    Accident benefit: 70% back up to annual limit

  • Annual limit: $300

    Travel and Accommodation (200km round trip): 70% back up to annual limit

View product summary

Looking for health cover that matches your needs?

Whether you’re after a higher level of cover for more treatments and services, or something that better fits your budget, get a quote to find the right cover for you.

Get a quote

benefits of HCF health insurance for pregnancy

If you’re looking for support during your pregnancy and protection for your growing family, HCF private health cover is there to give you peace of mind.

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Combine HCF Corporate Care Gold Hospital^^ cover with an extras cover designed around the services you need most.

An icon of a mother breastfeeding her baby.

Access to support like lactation consults, pregnancy compression garments and more^ to help you during and following your pregnancy.

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Emergency ambulance cover+ just in case you need help getting to the hospital for your delivery.

Get a quote

Do I need hospital, extras cover or both?

A illustration of a girl holding two cases with a medical cover and a dental cover icon.

Hospital and extras cover

Get hospital and extras cover for more protection and coverage, from private hospital care and treatments to a range of extras like dental, physio, optical, chiro and remedial massage.

View hospital and extras
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Hospital cover

Choose hospital cover to make sure you’re covered for private hospital admission, emergency ambulance services+, a range of in-hospital treatments and costs, and more.   

View hospital cover 
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Extras cover

Use extras cover for services generally not covered by Medicare, and claim on extras like physio and optical, and get 100% back# on 2 dental check-ups per year through our No-Gap network.

View extras cover
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Preparing for childbirth

Read tips on how to prepare for having a baby and what to expect with HCF hospital cover, learn about different types of deliveries and postnatal care, and check typical out-of-pocket costs for members.

Learn more about childbirth
A man sits at a table feeding a baby with a bottle while his male partner holds his shoulder from behind.

Find a provider

HCF hospital cover gives you access to our extensive network of participating hospitals and medical specialists to help lower your out-of-pocket costs, so you can focus on your due date and caring for your newborn and family. 

Find a provider today

Award-winning insurance trusted by more than 2 million australians

Canstar 2025 outstanding value for health insurance award logo.
Outstanding value 10 years in a row

We've won Canstar’s Outstanding Value Award for Health Insurance 10 years in a row (2016 to 2025).

Roy Morgan 2025 most trusted brand for private health insurance award logo.
Australia’s most trusted health fund 2025

We're Roy Morgan’s 2025 Most Trusted Private Health Insurance Brand#####. 

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2024 Finder Health Insurance Award winner

Based on value for money, we scored higher than all eligible bronze hospital policies on the market for our Hospital Bronze Plus $750 Excess cover.

Get a quote

Need help understanding private health cover for pregnancy?

Answers to commonly asked questions to help you make the right choice.

If you want to go to a private hospital for the birth of your baby, you’ll need to have hospital cover that includes ‘pregnancy and birth-related services’ at least 12 months before the baby’s birth date (as there's a 12-month waiting period). This means hospital services, like any pregnancy complications, the birth and your postnatal care, will be covered.

Find out about choosing the right cover for you

If you’ve already decided to have your baby in a public hospital, but want access to services like remedial massage, dental, postnatal support services and more, HCF extras cover can provide you and your growing family with the support you need.

Learn more about extras cover

These are services that are directly related to hospitalisation for pregnancy and childbirth, including pregnancy complications, the delivery, and prenatal and postnatal support services for the mother.

Depending on your cover, these can also include:

  • your own private room during your private hospital stay, depending on availability, with eligible hospital cover

  • up to 100% of your hospital costs covered through our network of participating hospitals, with eligible hospital cover (other than any excess that applies to your cover and other small permitted gaps)  

  • HCF-approved pregnancy services, including breastfeeding consultations and support services provided by the Australian Breastfeeding Association and pregnancy compression garments, with eligible extras cover

  • HCF-approved antenatal and postnatal classes, including group physio classes and pelvic floor physio, with eligible extras cover.

More about pregnancy, birth and perinatal

Medicare can provide some coverage for childbirth, including hospital care and medical services in a public hospital, however it won’t cover all costs associated with your birth in a private hospital. For coverage in a private hospital and additional benefits like your own private room, access to support programs for soon-to-be or new parents, and pregnancy services, you may want to consider private health cover that includes pregnancy and birth-related services.

Public vs private hospitals for pregnancy

Does private health insurance cover pregnancy ultrasounds? 
 
No, private health insurance doesn’t cover pregnancy ultrasounds. Private health insurance only covers pregnancy ultrasounds if it’s deemed medically necessary and conducted as an inpatient in a hospital.

Does private health insurance cover obstetrician fees?

Private health insurance doesn’t cover consultations with your obstetrician before or after the delivery of your baby.

Learn more about antenatal care

No. You have to let us know that you’re expecting a baby.  

If you’re on a single or couples membership, it’s important to call us to inform us of your expected due date as soon as possible. We’ll then transfer you to a family membership from the expected date of birth. This will make sure your baby is covered and won’t have to serve any waiting periods. 

If you don’t tell us your expected due date, you have 2 months to transfer to a family membership from the date your baby was born, and your baby will be covered from this date. 

If you’re already on a family membership, you’ll need to tell us when your baby is born so we can add them to your cover.

Yes, you’ll have out-of-pocket costs if you have a baby at a private hospital. As Australia’s largest not-for-profit health fund, we strive to keep these costs as low as possible for our members by partnering with more hospitals, doctors and extras providers across Australia. We also make it easy for members to discover the typical out-of-pocket costs members can expect to pay for childbirth with our cost indicator tools.

Learn about vaginal birth costs

Learn about caesarean birth costs

If you want to go to a private hospital for the birth of your baby, you’ll need to have hospital cover that includes ‘pregnancy and birth-related services’ at least 12 months before the baby’s birth date (as there's a 12-month waiting period). This means hospital services, like any pregnancy complications, the birth and your postnatal care, will be covered.

Find out about choosing the right cover for you

If you’ve already decided to have your baby in a public hospital, but want access to services like remedial massage, dental, postnatal support services and more, HCF extras cover can provide you and your growing family with the support you need.

Learn more about extras cover

These are services that are directly related to hospitalisation for pregnancy and childbirth, including pregnancy complications, the delivery, and prenatal and postnatal support services for the mother.

Depending on your cover, these can also include:

  • your own private room during your private hospital stay, depending on availability, with eligible hospital cover

  • up to 100% of your hospital costs covered through our network of participating hospitals, with eligible hospital cover (other than any excess that applies to your cover and other small permitted gaps)  

  • HCF-approved pregnancy services, including breastfeeding consultations and support services provided by the Australian Breastfeeding Association and pregnancy compression garments, with eligible extras cover

  • HCF-approved antenatal and postnatal classes, including group physio classes and pelvic floor physio, with eligible extras cover.

More about pregnancy, birth and perinatal

Medicare can provide some coverage for childbirth, including hospital care and medical services in a public hospital, however it won’t cover all costs associated with your birth in a private hospital. For coverage in a private hospital and additional benefits like your own private room, access to support programs for soon-to-be or new parents, and pregnancy services, you may want to consider private health cover that includes pregnancy and birth-related services.

Public vs private hospitals for pregnancy

Does private health insurance cover pregnancy ultrasounds? 
 
No, private health insurance doesn’t cover pregnancy ultrasounds. Private health insurance only covers pregnancy ultrasounds if it’s deemed medically necessary and conducted as an inpatient in a hospital.

Does private health insurance cover obstetrician fees?

Private health insurance doesn’t cover consultations with your obstetrician before or after the delivery of your baby.

Learn more about antenatal care

No. You have to let us know that you’re expecting a baby.  

If you’re on a single or couples membership, it’s important to call us to inform us of your expected due date as soon as possible. We’ll then transfer you to a family membership from the expected date of birth. This will make sure your baby is covered and won’t have to serve any waiting periods. 

If you don’t tell us your expected due date, you have 2 months to transfer to a family membership from the date your baby was born, and your baby will be covered from this date. 

If you’re already on a family membership, you’ll need to tell us when your baby is born so we can add them to your cover.

Yes, you’ll have out-of-pocket costs if you have a baby at a private hospital. As Australia’s largest not-for-profit health fund, we strive to keep these costs as low as possible for our members by partnering with more hospitals, doctors and extras providers across Australia. We also make it easy for members to discover the typical out-of-pocket costs members can expect to pay for childbirth with our cost indicator tools.

Learn about vaginal birth costs

Learn about caesarean birth costs

What cover do you need for pregnancy? What pregnancy and birth-related services are covered under private health insurance? Does Medicare cover the birth of my baby? Is my baby automatically added to my private health cover? Will I have any out-of-pocket costs when I have a baby privately?

These are services that are directly related to hospitalisation for pregnancy and childbirth, including pregnancy complications, the delivery, and prenatal and postnatal support services for the mother.

Depending on your cover, these can also include:

  • your own private room during your private hospital stay, depending on availability, with eligible hospital cover

  • up to 100% of your hospital costs covered through our network of participating hospitals, with eligible hospital cover (other than any excess that applies to your cover and other small permitted gaps)  

  • HCF-approved pregnancy services, including breastfeeding consultations and support services provided by the Australian Breastfeeding Association and pregnancy compression garments, with eligible extras cover

  • HCF-approved antenatal and postnatal classes, including group physio classes and pelvic floor physio, with eligible extras cover.

More about pregnancy, birth and perinatal

Medicare can provide some coverage for childbirth, including hospital care and medical services in a public hospital, however it won’t cover all costs associated with your birth in a private hospital. For coverage in a private hospital and additional benefits like your own private room, access to support programs for soon-to-be or new parents, and pregnancy services, you may want to consider private health cover that includes pregnancy and birth-related services.

Public vs private hospitals for pregnancy

Does private health insurance cover pregnancy ultrasounds? 
 
No, private health insurance doesn’t cover pregnancy ultrasounds. Private health insurance only covers pregnancy ultrasounds if it’s deemed medically necessary and conducted as an inpatient in a hospital.

Does private health insurance cover obstetrician fees?

Private health insurance doesn’t cover consultations with your obstetrician before or after the delivery of your baby.

Learn more about antenatal care

No. You have to let us know that you’re expecting a baby.  

If you’re on a single or couples membership, it’s important to call us to inform us of your expected due date as soon as possible. We’ll then transfer you to a family membership from the expected date of birth. This will make sure your baby is covered and won’t have to serve any waiting periods. 

If you don’t tell us your expected due date, you have 2 months to transfer to a family membership from the date your baby was born, and your baby will be covered from this date. 

If you’re already on a family membership, you’ll need to tell us when your baby is born so we can add them to your cover.

Yes, you’ll have out-of-pocket costs if you have a baby at a private hospital. As Australia’s largest not-for-profit health fund, we strive to keep these costs as low as possible for our members by partnering with more hospitals, doctors and extras providers across Australia. We also make it easy for members to discover the typical out-of-pocket costs members can expect to pay for childbirth with our cost indicator tools.

Learn about vaginal birth costs

Learn about caesarean birth costs

Important Information

HCF will collect and use your personal information through this quote process in accordance with our Privacy Collection Notice.

* Australian Government Rebate has been applied if you selected an income level less than $158,001 for single or less than $316,001 for family. Price excludes any Lifetime Health Cover loading.

^^ Must be combined with an eligible extras cover.

~ 12-month waiting period applies.

^ Waiting periods and annual limits apply. Before you start any program, check you're on eligible cover and the provider of the program is recognised by us. If you're unsure, call 13 13 34 or visit a branch. 

+ Cover is limited to emergency transport to the nearest hospital by a State or Territory government ambulance provider (excludes transport from another hospital or medical facility) and medically necessary non-emergency ambulance transport where your doctor requests ambulance transport because your condition requires monitoring and support in transit (up to $5,000 per person per calendar year). Benefits are not payable for ambulance services covered by a State or Territory government scheme.

# 100% back at More for You program providers in our No-Gap network is available on selected covers. Waiting periods and annual limits apply. Our No-Gap network of healthcare providers changes often. Please check that your provider is part of our No-Gap network before you book or attend an appointment. See hcf.com.au/100back.

##### Based on Roy Morgan’s Risk Monitor Survey for the 12 months to June 2025.

** Eligibility criteria apply. For more information, see hcf.com.au/health-programs

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan