IVF & assisted reproductive services

Our High hospital policies include benefits for assisted reproductive services, including in-vitro fertilisation (IVF).
The IVF treatment you receive in hospital as an inpatient and as a private patient can be claimed. Like any medical service, the fees charged by your specialist for treatment you receive outside of hospital can only be claimed through Medicare.

What are the waiting periods for IVF claims?

When you join health.com.au or upgrade your cover, a 2 month general hospital waiting period applies. You will not be able to make a claim for your new service in this time.

All admissions within the first 12 months are subject to the pre-existing condition waits. In simple terms this waiting period means if you have or plan to have an admission in your first 12 months please contact us as your condition will need to be reviewed review by a Independent Medical Referee. If your condition is determined as not-pre existing, we will be able to assist you with claims after the 2 month waits are served. If your condition is deemed as pre-existing by the Medical Referee you will not be able to claim within the first 12 months.

The definition of pre-existing can be found here.

If you've had the discussion and made the decision to start a family, first of all, congrats! You should then review your health.com.au cover, and make sure you're covered for pregnancy related services and IVF related services, making sure you have the right coverage.  

*Please note pregnancy and birth has a strict a 12 month pregnancy related waiting period.