AUSTRALIA'S FIRSTNO-GAP PREGNANCY COVER

NO-GAP PREGNANCY IN PARTNERSHIP WITH SYDNEY ADVENTIST HOSPITAL

  • Care under a participating obstetrician, including birth management fee
  • Anaesthetist costs, including any out of hours services
  • Delivery Suite, theatre costs and ward accommodation
  • Diagnostics (Ultrasounds and Pathology provided at Sydney Adventist Hospital and San Ultrasound for Women)
  • Paediatric consultation following birth
  • Natural and caesarean births.
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ALREADY HAVE PREGNANCY COVER WITH A DIFFERENT HEALTH FUND?

No problem. As long as you have previously served all waiting periods for obstetrics and pregnancy, we can switch your health fund over to HCF cover with the same or higher level of benefits so you can get HCFs no-gap pregnancy package.
 
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WE PUT PEOPLE BEFORE PROFIT

HCF challenge the accepted way of doing things to find a better way to give more back to our members. That's why we've partnered with Sydney Adventist Hospital to offer this no out-of-pocket experience through your whole pregnancy journey. Our no-gap pregnancy package is also know as Swaddle - the HCF & San Baby Bundle.

The Swaddle programme commenced 28 January and eligible HCF members, that opt to receive care under a participating obstetrician at Sydney Adventist Hospital, will enjoy a no-gap experience*.

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ALREADY A HCF CUSTOMER?

Great news. If you're on the correct level of cover (pregnancy and birth-related services) and have served the 12-month waiting period, then you qualify for the program*. Contact Sydney Adventist Hospital to begin your journey.

Want to upgrade your cover to include pregnancy? Call us on 13 13 34 or visit your local branch.

SYDNEY ADVENTIST HOSPITAL: PROVIDING UNCOMMON CARE

As a not-for-profit hospital, the San is always striving to offer the best possible care to patients. They understand that private maternity care can be expensive, and would like as many people as possible to be able to access the wonderful service they provide.
 
Visit San website

READ MORE ABOUT YOU AND YOUR BABY…

THE FIRST WEEKS WITH YOUR NEWBORN

Bringing home your baby is an exciting time but can also come with a dose of apprehension and plenty of challenges. Here are some tips on what to expect.

HOW TO SLEEP BETTER

Struggling to get enough good quality sleep? Here’s what you need to know.

HEALTHY KIDS: KEEPING 0-5-YEAR-OLDS ACTIVE

Small children, even babies, need to be active in order to develop. Here are some helpful guidelines for developing healthy habits early in life.

FOOD ALLERGIES IN BABIES: THE LATEST APPROACH

Introducing your child to common allergy-causing foods early could actually help prevent a food allergy.

NO-GAP PREGNANCY COVER: FREQUENTLY ASKED QUESTIONS

What out of pockets will I have?
Members participating in the programme will not experience any out of pocket costs, apart from any policy excess payable (for example, if you're claiming for the first time that calendar year you may need to pay excess). If the Member seeks additional services, fees may apply. Please speak with the Participating Medical Provider to confirm and ensure a valid Informed Financial Consent is given.

Can my partner stay with me in the hospital?
Yes, your partner can stay with you overnight as a carer (but not as an admitted patient).

If the baby needs special care – are they covered?
In the event that your baby may require admission into San's Special Care Nursery and for this to be covered, you will need to ensure that you have added your baby to your private health fund cover within 2 months from the baby’s date of birth.

Can I claim for prenatal consultations?
If you are receiving care under a participating obstetrician under the programme, prenatal consultations are provided with no out-of-pocket costs for members involved in the programme.

What is covered with obstetrician fees and management fees?

Participating obstetricians will be providing their standard model of care for all patients. We suggest you check with your medical provider to confirm with them their planned consultations and any other services.

What happens if I was already seeing a participating obstetrician prior to the commencement of Swaddle?

If you were a HCF patient under the care of a participating obstetrician prior to the commencement date of Swaddle (28th January 2020) and give birth after this date, your out of pocket expenses going forward will be covered and you may receive a contribution to experience the benefits of the Swaddle program. Any contribution will be paid to you on settlement of the hospital claim following discharge from Sydney Adventist Hospital.

If you join Swaddle from the initial antenatal consultation with a participating obstetrician, you will experience the full benefits of the no gap pregnancy package

Is IVF covered as part of the Sydney Adventist Obstetrics Programme?
IVF services are not part of the Obstetrics programme. Following the IVF treatments, if you fall pregnant then you are eligible to enter the trial as long as you're on the correct level of cover (pregnancy and birth-related services) and have served the 12-month waiting period.

What do I do to cover my baby with private health insurance?
If you’re pregnant and on a single membership, to cover your child from their date of birth make sure you upgrade to a family or single parent membership within two months of the birth of your child. If your child isn't added to your policy within this time frame, your child won’t be covered for procedures that occur during the initial two-month waiting period. The family or single parent membership commences from the date of birth of your baby. For more information, visit hcf.com.au or call 13 13 34.

Is there a difference in cover between natural and caesarean births?
No, the programme is inclusive of natural and caesarean births as long as you are under the care of a participating obstetrician.

How do I find a participating obstetrician?
Please refer to Sydney Adventist Hospital's website.

IMPORTANT INFORMATION

*Available with selected obstetricians. Depends on your level of cover and must have served 12 month waiting period. Excludes any policy excess. Not available to Overseas Visitors Health Cover members.

**Roy Morgan Net Trust Survey 2018 & 2019