I just emailed my insurance about what is covered and what isn't. I got this but don't understand what it means. Can someone explain it to me?


"Comprehensive Hospital cover will cover you for 100% of the government-scheduled fee for your medical bills and 100% of the hospital bills for all medically required procedures in an agreement private hospital.

This means that the labour ward and obstetrician will be covered. If you are on a family membership and your baby needs to be admitted into the hospital you will be required to pay a second excess. If your baby is not admitted into the hospital then your child will be billed as an outpatient as they will be regarded as a guest of yours. This will mean that any costs from a paediatrician that you incur will not be covered by Australian Unity but will be claimable from Medicare."