Hello!

9 Answers

After being diagnised with severe endometriosis a couple years ago we are getting ready (once we finish saving) to start our first IUI. I am wondering if anyone can give us advise on which private health funds cover a good amount? We are currently with HCF and paying about 300 a month for cover and they’ll cover a few hundred of the costs once a year, but hoping to find a fund that will help out a lot more than that. Thanks in advance.


Posted by MUMof1, 16th January 2016


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  • I can’t tell you about the rebate because it was a while ago when I did IVF, but we had Medibank. It is worth to check them. Good luck!


  • If not already mentioned, google up Iselect, comparethemarket.com and membersown.com.au – they compare private health funds. Once you have seen what they offer, then I’d approach a few private health insurers and see if they have any specials or waiver periods on. Good luck and I hope you find something suitable, I think we are paying a lot for health insurance these days without much reward.


  • Agree that you really need to shop around and fully understand all the fine print including waiting periods and what is in fact covered. Good luck!


  • You really to compare quite a few funds – and beware of wait times too – some items require you to have been a member for a set number of months prior to claiming.


  • Some fund we’ve looked at all seem to be about the same for the cover we need. My fiance has spine fusing problems, i had/have(?) endo, heart problems and a couple skin cancers and my daughter needs glasses and has slight hearing problems. I’ve been advised by my dr to get onto iui for 3 courses and then ivf as soon as i can in case my heart problem gets worse. We’d need to pay an excess to have iui or ivf covered before first 12 months is done if we changed funds. I was hoping that someone was in a miracle fund that gives full cover for less than $300 a month haha.


  • You need to find out how long and what extra cover you need before you succeed in getting pregnant too.


  • i will be keeping an eye on this topic. i was thinking about getting something like this.


  • Best to go online and use online calculators to compare funds. It will compare and give you the best value funds for your situation.


  • I have top cover with Australian Unity for IVF. We pay around $300ish a month (top hospital and basic extras). I only get back from the health fund the difference of the medcare benefit and medicare set fee (if you get what I mean).


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