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Frequently Asked Questions

01. I already have OSHC. Can I add pregnancy cover now, or do I need to wait?

Yes, most providers allow you to upgrade your policy, both OSHC and OVHC, mid-term. Just a heads-up — the 12-month waiting period starts the day you upgrade your policy.

02. What if I get pregnant before completing the waiting period?

The waiting period is applied strictly. If your delivery date is after the completion of the 12-month timeline, you will be able to claim pregnancy-related benefits; otherwise, even in cases of emergencies, you wouldn't be able to avail any benefits. This is why early planning is crucial.

03. Which health insurance is best for pregnancy in Australia?

Top providers like NIB, Bupa, Allianz Care, Medibank, AHM, and AIA offer pregnancy-inclusive policies. The best policy for you depends on: Your visa type (student or visitor) Preferred services (e.g., private hospital, caesarean cover, neonatal care) Use our comparison platform, Budget Policy, to find a plan that covers all your needs and fits your budget.

04. How much does pregnancy care cost without insurance in Australia?

If you’re not covered, brace yourself, because pregnancy costs in Australia can run anywhere between $8,000 and $20,000. Insurance significantly decreases the burden on your pocket by covering hospital stays, doctor fees, delivery, and more.

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