Pregnancy and newborns

Please contact us and we can assist you to find the best cover to ensure you have peace-of-mind through your pregnancy.

Congratulations on the new addition to your family! Read our guide on how to add your new baby, adopted child or foster child to your policy. 

Any ultrasounds, obstetrician or doctor consultations during your pregnancy are considered outpatient services - which means they are not claimable with nib. Medicare may cover some of the costs involved in these consultations. 

Your baby will be covered for services that the longest serving parent on the policy is covered for. You’ll still need to add your baby to your policy within an appropriate time frame. 

You’ll be covered for the birth if your baby’s expected delivery date (also known as the confinement date) is after your waiting period ends. If you’re concerned your baby might arrive early, please provide a letter from your obstetrician or a scan showing the expected delivery date.  

For example, if your waiting period ends on 10 October but your baby is due on 11 October, we’ll need confirmation that the due date is 11 October to ensure coverage. 

We can cover some of the costs relating to IVF and GIFT inpatient services depending on your level of cover, if the hospital is an nib Agreement Hospital and how much the specialist charges.

Most of the IVF process is as an outpatient, which means you will most likely have large out of pocket expenses. Outpatient specialist fees or other outpatient fees in relation to assisted reproductive services (for example, laboratory and storage fees) are not covered.

As with pregnancy cover, there is a 12 month waiting period to be able to claim for this service. Any ultrasounds, obstetrician or doctor consultations during pregnancy are considered outpatient services which means they are not claimable with nib. Medicare may cover some of the costs involved in these consultations.