Do you still have the right private health cover?

Life may have changed since you first joined Doctors’ Health Fund, so it’s important to review and update your health insurance cover periodically to make sure it’s still right for you. Your family may have grown or you may no longer be as young and fit as you used to be.
Planning a family?

What services are you covered for?

The first step is to check your health insurance cover to make sure pregnancy services aren’t excluded.

  • If you have Smart Starter Hospital Cover, you will need to upgrade to Prime Choice or Top Cover to be covered for the delivery of the baby
  • If you currently have a Singles policy upgrading to a family policy means your premium will increase
  • If you’re upgrading or are new to health insurance, there is a 12-month waiting period to access pregnancy services, so it’s essential that you upgrade your health cover before becoming pregnant
  • If you’re new to Doctors’ Health Fund and weren’t previously covered for pregnancy services you’ll need to serve the 12-month waiting period 

Making sure the baby is covered

If you’re on a Singles or Couples health insurance cover, you’ll also need to upgrade to a family policy so that your new baby is covered and doesn’t have to serve any waiting periods. You have two months from when your baby is born to contact us, but we recommend you call our expert Member Service Team on 1800 226 126 or email us on info@doctorshealthfund.com.au to upgrade to a family policy before the baby is born – you’ll have a lot on your plate once the baby arrives!

Already pregnant?

Congratulations! Call us now to check that you’re covered for the delivery of the baby and find out what costs are involved. If you’re new to Doctors’ Health Fund and weren’t previously covered for pregnancy services you’ll need to serve the 12-month waiting period. Learn more about hospital admissions in our Going to Hospital guide.

If you have extras cover, you may also be able to claim for prenatal and postnatal services provided by a physio, midwife or registered nurse.

Getting married or have a new partner?

Congratulations! You can add your partner to your health insurance cover through Online Member Services, by calling our expert Member Service Team on 1800 226 126 or emailing us on info@doctorshealthfund.com.au

If your partner already has health insurance, we’ll organise the transfer across to Doctors’ Health Fund for you. Here are the details we'll need to know to complete the transfer:

  • full name
  • date of birth
  • current health fund
  • membership number
  • Medicare card number

If your partner doesn’t have private health cover, or is transferring from a lower level of cover, they’ll need to serve waiting periods before they can claim benefits.

Changing your name?

If you’re changing your name, email us a copy of the relevant certificate showing your new name or your new ID (such as your driver’s licence or passport). We’ll update your policy and send you a new membership card.

Changing health needs?

As your health needs change, it’s vital to check your cover and upgrade before you need to make a claim.

All health funds apply waiting periods for hospital cover and extras, ranging from two months to two years, depending on the type of service.

Not sure what you need? Just call our expert Member Service Team on 1800 226 126 and we’ll help you understand your health cover options and any waiting periods.