Pregnancy Care - OVHC - Allianz Global Assistance

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.

There are many exciting moments that you will experience when starting a family, not the least of which are the pregnancy confirmation and feeling your baby kick for the first time. Another way to ensure your pregnancy is as enjoyable as possible is to get a clear understanding of your financial position and health coverage early on. Knowing where you stand will make you more comfortable, especially having peace of mind regarding the extent to which your expenses are covered.

Ask countless questions, understand your position and be clear on what you want and don’t want for your pregnancy, birth and beyond. And most of all, look forward to that beautiful new child entering your lives and changing them for the better.

Overseas Visitors Health Cover (OVHC)

OVHC with Allianz Global Assistance covers you for pregnancy, but keep in mind that there may be a 12 month waiting period for any pregnancy-related services.

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.

As soon as your medical practitioner has referred you to a hospital, and the hospital has scheduled your expected delivery, your hospital's maternity bookings coordinator will call the Allianz Global Assistance OVHC Eligibility Line to notify us of your pregnancy and confirm your cover.

If you have any questions about your cover, call us on 1800 884 526.

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 OVHC 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 OVHC 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 OVHC policy.

Upgrading your cover

To upgrade your policy to either dual family or multi-family, you can call 1300 727 193 or email

Adding your baby to your cover

Once your baby is born, you’ll need to add them to 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. Your policy won’t pay for any medical costs for your baby until you have added him or her to your policy.

To add your baby to your policy, you can:

  • Log into your account and select ‘People covered’ under ‘My details’, then click ‘Add person’ button to add your baby’s details
  • Call us on 1300 727 193

You must also be sure to keep your policy current, even when switching or upgrading. If your cover lapses, then you may need to re-serve your waiting period.

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 some out-of-pocket gap fees (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 get an idea of what it will cost you.

Obstetricians in public hospitals

Obstetricians in public hospitals specialise in pregnancies and birth and often deal with more complicated pregnancies. You may opt or be advised to consult an obstetrician if you experience complications in your pregnancy. Your GP or midwife will send you to the public hospital’s antenatal clinic and an obstetrician will oversee your care.

Private obstetricians

You can choose a private obstetrician to manage your pregnancy and deliver your baby (a 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’re on a budget visitors OVHC policy, out-of-hospital (GP and specialist) medical costs are not covered

If you’d like us to help you confirm what your gap fee (out-of-pocket costs) will be, call us on 1800 727 193.

This is the choice with the highest costs but it may be your preferred option for a number of reasons. You can choose a private obstetrician from your GP’s recommendation or because a friend or family member has given you positive feedback about him or her.

Obstetricians work with specific hospitals with which they have agreements so you can only give birth in one of their preferred locations.

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 a:

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

Keep in mind you will 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 OVHC policy.

Arranging your stay in hospital

Public hospital

Public hospitals accept OVHC 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 obstetrician. Once you’ve made a decision and have confirmed your obstetrician, you’ll 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 fees
  • 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