Before you become pregnant, check your level of cover
Please refer to the table below for an overview of which pregnancy and birth-related services you may be covered for. This table will also give you a guide to what you need to do if you are not already covered. Please note that most assisted reproductive services are out-patient procedures and are therefore not covered by any MBF hospital cover.
The table below tells you whether you or your baby are covered by MBF's different insurance options:
| Singles, couples and families MBF Budget Hospital, MBF HealthSmart^ or MBF Choices cover^ |
Singles MBF Standard, MBF Advantage or MBF Premium Hospital Cover |
Couples and families MBF Standard, MBF Advantage or MBF Premium Hospital Cover |
|
|---|---|---|---|
| Cover for Pregnancy-related services |
|
* |
* |
| Cover for birth (mother only) |
|
* |
* |
If you would like cover for these services you should choose an appropriate cover option 12 months prior to the birth, even if premature. Please see an MBF families cover brochure.
* 12 month waiting period prior to birth applies, even if premature.
^ MBF Choices and MBF HealthSmart are only available for singles and couples.
If you would like cover for these services, you should choose an appropriate MBF family cover option 12 months prior to the birth. For MBF hospital cover enquiries or to discuss MBF families membership call 131 137.
When will my baby incur charges?
A baby will only be admitted and therefore require cover as an in-patient in hospital in the following circumstances:
- If the baby is in a recognised neo-natal intensive care unit;
- If the baby is still in hospital more than nine days after the birth; and
- If the baby is the second or subsequent baby of a multiple birth (eg. a twin).
If your baby is admitted as a patient and covered on an MBF families membership, an Excess or Co-payment is payable for your baby (where applicable).
Please note that from 1 April 2006 no Excess or Co-payment is payable for hospital admissions for Dependent Children or Dependent Children registered on your membership under Dependent Extension if you hold MBF Advantage Hospital cover.
From 1 April 2007 no Excess is payable for hospital admissions for Dependent Children or Dependent Children registered on your membership under Dependent Extension if you hold MBF HealthLink Advantage Hospital cover.