Costs and funding
Health funds apply waiting periods before you can claim, commonly 12 months for pregnancy and assisted reproductive services. Because of this, upgrading cover after treatment has already started rarely helps with the current cycle — plan ahead if insurance is part of your funding strategy.
Also known as: insurance waiting period, 12 month wait
Sources
- Australian Government Department of Health, Disability and Ageing (health.gov.au)
Last reviewed: 10 September 2026. Written by the Antega Editorial Team. General information only — always follow the advice of your own clinic, doctor or pharmacist.