Pregnancy add-on

Bump on board? Our standard cover takes care of your pregnancy or related complications up to 26 weeks or after 19 weeks with twins. Our pregnancy Add-On can stretch that to 33 weeks, and 23 with twins.

This cover is not available on a domestic policy, or for travel in Australia.

Extra cover for pregnancy and birth complications.

If you are more than 26 weeks but less than 33 weeks pregnant with a single child or more than 19 weeks but less than 23 weeks pregnant with twins when an incident occurs, and you have written certification from a medical practitioner that you are fit to travel up to ten days prior to your departure, and you suffer unexpected injuries or illness, we will cover your emergency medical costs up to $1 million.

Just to be clear, emergency childbirth coverage includes the costs related to your birth and post-birth medical care. It won’t cover your newborn’s medical costs.

What you’re covered for

If you purchase the Pregnancy Add-On, any medical expenses related to specific pregnancy-related complications otherwise excluded by this policy (see: What we don’t cover at all in the PDS) are covered subject to policy limits and exclusion.

However the Add-On only covers the following pregnancy-related conditions:

  • toxaemia (toxins in the blood)
  • gestational diabetes (diabetes arising as a result of pregnancy)
  • gestational hypertension (high blood pressure arising as a result
    of pregnancy)
  • pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
  • ectopic pregnancy (a pregnancy that develops outside of the uterus)
  • molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
  • post-partum haemorrhage (excessive bleeding following childbirth)
  • retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
  • placental abruption (part or all of the placenta separates from the wall
    of the uterus)
  • hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
  • placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
  • stillbirth
  • miscarriage
  • emergency caesarean section
  • a termination needed for medical reasons
  • premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

What you’re NOT covered for

  • Fertility treatment at any time, including any resulting pregnancy
  • Pregnancy with triplets or more
  • Your newborn’s medical costs. Emergency childbirth coverage includes the costs related to your birth and post‑birth medical care; we do not offer any coverage for your baby.

Understand your cover

Conditions and exclusions apply to every cover level and optional pack. View our Combined Product Disclosure Statement and Financial Services Guide for full details. Sub-limits apply. Not sure? Our friendly team are here to help. Get in touch