Help Centre

Pregnancy care

Are you covered for pregnancy?

Having a baby in Australia can be expensive – especially if you’re not covered by Australia’s publicly funded health care system, Medicare. So make sure you have the cover you need for you and your baby.

Do you have an Overseas Student Health Care (OSHC) essentials policy with us?

You’re covered for any pregnancy-related services as long as your student visa is for a period of 3 months or more and you have a valid OSHC essentials policy with us.

No waiting periods apply.

Do you have an Overseas Student Health Care (OSHC) standard policy with us?

You’re covered for pregnancy, but there’s a 12 month waiting period for any pregnancy-related services if you have a valid OSHC standard policy with us.

The waiting period starts from:

• the date you arrived in Australia, or
• the date your visa was granted (whichever is later).

Notify us about your pregnancy

So we can help you with your payment to the hospital, you’ll need to notify us about your pregnancy once your doctor or hospital has scheduled your expected delivery.

You can either:

  • Download the Treatment Guarantee form and email it to
  • Have the Maternity Bookings Coordinator at your hospital or your doctor’s surgery contact us on 1800 550 977 to verify your eligibility for maternity care. Once cover has been confirmed, we will send the hospital a guarantee of payment for your hospital stay.

Is your baby covered?

Are you on a single policy?

You’ll need to upgrade to either a dual family policy or a multi-family policy.

This will increase the amount you pay for your OSHC policy.

Are you on a dual family policy?

This policy covers one valid student visa holder plus either one adult spouse, a de-facto partner, or one or more dependent children. Depending on the mix of dependants, you may need to upgrade to a multi-family policy.

This will increase the amount you pay for your OSHC policy.

Are you on a multi-family policy?

All you need to do is add your baby to the policy.

There will be no change to the amount you pay for your OSHC policy.

Need to upgrade your policy?

You’ll need to upgrade your policy within 60 days of your baby’s birth date.

To upgrade your policy, call us on 13 67 42 or visit one of our on campus representatives.

Adding your baby to your policy

Once your baby is born, call us on 13 67 42 and we will add them to your policy. Alternatively login into your member account on the website and add the dependent onto your policy.

You must add your baby within 60 days of their birth date to avoid waiting periods and to make sure your baby is covered for any medical services they may need.

During your pregnancy

Choosing your type of pregnancy care

During your pregnancy you have the option to choose the type of care you get.

Shared maternity care

During your pregnancy you can see the same General Practitioner (GP), or community midwife for most of your pregnancy visits and you’ll visit the hospital early in your pregnancy and again at 36 weeks.

Together, the hospital and your chosen GP/midwife will ‘share your care’.

  • Shared maternity care is a popular choice for women who are healthy with a normal, low-risk pregnancy
  • GPs/midwives may charge a gap fee (this amount varies, but is likely to be less than an obstetrician’s fees).
What’s a gap fee?

You may incur an out-of-pocket fee (known as a gap fee) if the amount the medical provider charges is more than the benefit you’re entitled to under your cover. You’ll need to pay the gap fee yourself and won’t be able to claim that amount.  We recommend you call your doctor or hospital before visiting to understand what it will cost you.

Obstetricians in public hospitals

Obstetricians in public hospitals specialise in pregnancies and birth. Your doctor will refer you to your closest public hospital for your initial consultation with an obstetrician in a public hospital.

Private obstetricians

You can choose a private obstetrician to manage your pregnancy and deliver your baby (gap fee will apply).

If you’ve selected your obstetrician, you’ll need to have your baby at the hospital that the obstetrician is affiliated with. If you prefer, you can choose your hospital first, then ask the hospital for a list of obstetricians.

  • you’ll need to obtain a referral from a GP and take it to your first obstetrician’s appointment
  • Private obstetricians set their own fees, so you’ll need to contact their surgery to confirm their fees so you know how much will be covered and how much you’ll need to pay

If you’d like us to help you confirm what your gap fee (out-of-pocket costs) will be, call us on 13 67 42.

Choosing your hospital

There are a number of options when it comes to choosing where to have your baby. You can have your baby as:

  • patient in a public hospital
  • patient in a private hospital (gap fee may apply).

Keep in mind you may need to pay more out-of-pocket costs if you choose to have your baby in a private hospital.

Find out what’s covered with your OSHC policy.

Arranging your stay in hospital

Public hospital

Public hospitals accept OSHC members for maternity care.

To book into a public hospital you’ll need a referral from a GP and confirmation of your residential address.

Acceptance into the public hospital is based on:

  • whether your residential address falls within the specified catchment area of the public hospital
  • availability of maternity beds at the time you’re due to have your baby. If the hospital reaches full capacity then you’ll need to apply to a different public hospital.

If you’re unable to confirm a booking in a public hospital, you may want to consider talking to your doctor about having your baby in a private hospital.

Private hospital

Having your baby in a private hospital lets you choose your hospital and practitioner. Once you’ve made a decision and have confirmed your obstetrician, you will need to make a booking with the hospital. This is usually done through your obstetrician.

How to reduce your out-of-pocket expenses

  • Consider shared maternity care and choose from one of our direct-billing doctors
  • Discuss the cost of all medical services with your obstetrician/midwife and any other specialist involved in your pregnancy before your treatment to make sure you understand their fee structure
  • Have your baby in a public hospital
  • If you decide on a private hospital, choose one that has an agreement with the Australian Health Service Alliance contracted rates with Peoplecare (our health insurance provider)

Still need help?

Our team is here to answer your questions