Hi ladies,

I work for a private health insurance company and add hundreds of babies too family and single covers all the time. I guess the biggest thing is if you can afford hosp cover. It is the most expensive part of health insurance and sometimes can be a complete waste of time and money if you don't really need it. (i know i'm not meant to say that).

If you want to take out hosp cover just for your baby it will cost the same as an adult having a single membership. If you add yourself and hubby to the cover then it usually costs approx double a single membership. The health fund I work for doesn't have an excess for children under 21 if they need to go into hosp. And you will have waiting periods of 12 months for any pre existing conditions. Even having private cover doesn't mean you are fully covered as your doctors can charge gaps above the benefit amount.

If you have a family history of conditions such as eye issues, make sure you make that known... Most covers may not include things like major eye surgery under the basic and intermediate covers. So you actually may need to go onto a top cover which will add another $50 - $80 a month to your premiums again.

Hope this has helped a bit...