[baileybunny]

I was just curious, as most private health funds have a 12 month waiting period for pregnancy/obstetric benefits-

what happens say if I signed up for private health now, then in 3 months time got pregnant, meaning the due date would be somewhere around mid-Jan 2013 (meaning I would have served the 12 month waiting period based on the due date).

Lets say bub did not go 40/41 weeks but instead decided it was time to come at 30 or even 35 weeks.

Would this mean I would not get private health cover, because I would not have reached the waiting period when bubs was born, or because the 40 week due date was past the 12 month waiting period I would be covered?

I hope that all makes sense...just something I was thinking about. Ideally I suppose people would generally line up their private health cover that includes pregnancy maybe 18 months before they expected their baby to be born just to be on the safe side??

[Dylan's Mummy]

I work for a health fund. With us, as long as the baby is due on or after the date that the 12 month waiting period ends, we will cover it. We do request an EDC (estimated date of confinement) certificate and make a determination about it and this can be done before the baby is born. You'll need to contact your fund to see what their policy is.