You need to go to a hospital in the KeyCare hospital network. If you go to any other hospital you will need to pay for cost of your admission. This does not apply in an emergency – once you are stabilised you may be transferred to one of the hospitals in the KeyCare hospital network. Please note that elective caesarean sections for members on the KeyCare Series are not covered.

Day-to-day benefits of Keycare on Maternity

Keycare covers:

• Four visits to a gynaecologist in the KeyCare network hospital (KeyCare Plus members: your selected GP must refer you)
• One routine scan (between 10 and 20 weeks of pregnancy)
• Selected antenatal blood tests requested by your gynaecologist
• Remember that you must get a reference number for your gynaecologist’s claims to be covered.

Antenatal Classes

The KeyCare Plans do not cover antenatal classes.

Hospital Cover on Keycare

Cover for having a baby

Before you go to hospital for any planned procedure, you must:

• see your doctor
• authorise your hospital admission with us beforehand as hospital cover is not automatic.

You must authorise your admission to hospital at least 48 hours before you go in.

We need to know so we can manage your costs in the best way, and give you information that is relevant to how we will cover your hospital stay. If you do not authorise your admission we will only pay 70% of the costs that we would normally cover.

Costs related to childbirth

We cover childbirth from your Hospital Benefit. Your Hospital Benefit covers your hospital account, internal medical devices and emergency medical services.

Hospital cover includes home births done by midwives with valid practice numbers and who are registered with the Board of Healthcare Funders. You must let us know 48 hours before your hospital stay.

Caesarian sections on Keycare

We only cover emergency caesarian sections on the KeyCare Plans.

Normal vaginal deliveries

We cover a stay of three days and two nights.

Home births

We cover home births from the Hospital Benefit.

The midwife attending the birth must have a valid practice number and be registered appropriately with the Board of Healthcare Funders.

You must let us know if you choose to have a home birth.

The midwife charges a global fee for the confinement (the birth of the baby) and this includes any follow-up care needed for three days after the delivery.

Water births

In-hospital

If you have a water delivery in hospital, the cost of hiring a birthing pool is included in the global costs related to the confinement (birth of the baby). If you want to hire one, you will be responsible for paying for it.

Out-of-hospital

If you have a water delivery at home, Discovery Health will cover the cost of the hire of a birthing pool from the Hospital Benefit. This must be hired from a practitioner who has a registered practice number.

Lodging fees

We do not cover the lodging fees if your baby needs to stay in hospital after your discharge. If you choose to stay in hospital to be with your baby while he or she receives medical care, you will be responsible for the cost of your accommodation.