You may choose to be cared for privately by an obstetrician. Usually, as a private patient, you will have your baby in a private hospital but you can also choose to be a private patient in a public hospital.
If you choose to be a private patient in a public hospital you will not be guaranteed a single room and you will be responsible for hospital, medical and diagnostic expenses. Health insurance only covers your hospital and medical expenses for the birth of your baby, not your pregnancy related visits or expenses. However, part of those expenses will be covered by Medicare.
Private health funds usually require membership for at least one year before they will cover you for maternity services. Check your policy carefully to understand what is covered and what is not. Usually you can elect the level of cover you want so you may choose to make some changes if you already have a policy in place. Check with your obstetrician about whether you can expect out of pocket fees for the following services:
hospital admission
medical fees
diagnostic fees (ultrasound and blood tests).
If you have a single hospital policy, it won’t cover the cost of dependent children. This is only a problem if your baby needs to be admitted to hospital after they are born in a private hospital. If your baby is born healthy, they will not be formally admitted to hospital, but if they are premature or require some kind of treatment they will be admitted to hospital and this can increase your costs significantly. If you give birth to twins, at least one of the twins will be admitted to hospital.
Speak with your insurance company about the limitations of your policy. Most hospitals also have liaison officers who can help you with any questions you may have.
Your local doctor may help you to choose an obstetrician and can provide a referral. You can also contact the private maternity hospitals directly and ask for a list of their practicing doctors. Alternately you can search for a doctor by using the Royal Australian and New Zealand College of Obstetricians and Gynaecologists.作者: pingjiang999 时间: 2015-3-25 21:35
我的不是，是需要自己claim的，outpatient就是不在生产住院时发生的费用，包括产检、b超，看gp等等，我的bupa可以报gp的钱，但最好让保险公司不要怀疑你是因怀孕看gp发生的费用作者: 风中摇曳 时间: 2015-3-26 01:46
不懂帮顶作者: 朱令之 时间: 2015-3-26 07:19
公立， 私立就是两个流程。 lz如果准备去公立医院， 那就准备都公立这套系统， 但是公立这套系统里面还分，公立的普通病人， 和公立医院私立病人。
后者就是， 你用的资源都是公立医院的资源， 但是你是私立病人， 相对而言， 你可以有指定的妇产科医生，病房的环境相对好一点之类作者: 深白色_ 时间: 2015-3-26 12:18
我问的MEDIBANK，她们说在等待期中生孩子也是可以报销的，只是要过了等待期才可以报销而已，问了两回都是这个答案作者: 百姓访 时间: 2015-3-26 17:02
我同事说私立医院没有血库，所以如果需要血的话还要往公立的转，为了不麻烦还不如一开始就在公里医院做私立病人，这样还可以有单人间病床作者: 若尘_? 时间: 2015-3-26 19:56
准备生小孩之前从GMHBA转到medibank 因为GMHBA的医院啊医生阿选择性没那么多