It’s important that you contact us as soon as you become pregnant so that we can give you information about programs and services that are available to you as an OSHC member. This includes:
- Locating a doctor or obstetrician participating in our Access Gap Cover (AGC) scheme
- Finding a contracted private hospital close to you
- Enrolling you in a pregnancy program providing information about pregnancy, birth, and mother and baby health.
A waiting period is the period between the date your cover becomes effective and the time you need to serve before you are eligible for that procedure or service. During this time no benefit is payable for procedures or services that state there is a waiting period.
If you try to claim on items such as pregnancy when you have not served the 12 month waiting period, you need to be aware that you will incur significant up-front and additional out-of-pocket costs. These costs are an average $16,000 depending on the level of maternity service/care provided. During a waiting period, these costs are your responsibility as they are not yet covered by your OSHC policy.
In all instances, you will need to notify us on 1300 174 538 as soon as possible so we can assist you in finding lower cost options and pre-natal programs.
If you have served your waiting period, contacted CBHS International Health and used a doctor, or obstetrician participating in our Access Gap Cover (AGC) scheme and you are booked at one of our contracted private hospitals, your costs will be minimised. We partner with health care practitioners, service providers and hospitals that provide the best care with the lowest out-of-pocket costs.
CBHS International Health holds agreements with an extensive range of Australian private hospitals and day surgeries (agreement hospitals). These agreements ensure hospital fees including bed, theatre, labour ward and intensive care fees are covered when you are admitted as a patient to hospital, up to any relevant service limit.
If you use the doctor or obstetrician services who are NOT participating in our Access Gap Cover (AGC) scheme, this can result in large out-of-pocket costs. This is also similar to any charges incurred in a non-agreement hospital. You will only receive benefits similar to a public hospital shared room rate which can result in substantial out-of-pocket expenses.
Therefore, you need to contact us as soon as possible so we can guide you on how to reduce, if not eliminate, out-of-pocket expenses for doctor or obstetrician and hospital fees.
If you are on a Single or Couples CBHS International OSHC Policy, your newborn baby will be able to be added with effect from their date of birth without your baby having to serve any waiting periods already served by you, provided that:
✔ You inform us during your first trimester so that we can give you access to our online childbirth education and information about pregnancy programs.
✔ You update to a family or sole parent policy one month prior to birth. However, we recommend updating your policy three months before the expected birth date in case your baby decides to arrive early. If you do not update your policy to include your child prior to birth, your child will need to serve a two-month waiting period before they are eligible for benefits.