Health insurance for baby

You may want to check out other providers and see if you could get a better deal.

I think health insurance is important. Especially for bubs because if you get them insured when they are born then any health issues can be covered, whereas if you wait and they develop something its classed as a preexisting condition and often won't be covered.

Good example is my hubby, he was covered prenatal and he needed eye surgery when he was 1 and 3. If we switched providers now his eyes wouldn't be covered.

It's also handy for things like gromets. Lots of kids need them these days and the public health system is slow which so isnt cool. My cousins daughter is on the waiting list for gromets and has been for quite a while, her talking is really bad cause she just can't hear, if she had insurance she would have had it done already

DEfinately check out other providers as well.  We pay $100 per month for me, DH and Tom and I think the new bub will be free.  Like the others have said I think it is critical to have it for a littlie as waiting for grommets or tonsillectomy with a baby in pain would be horrible!

DH's work covers ours, for both of us and up to 4 kids. We have general cover and I am sure when we were paying it it wasn't as much as $100 per mth. I have had cover all of my life and I think it is really important. I may never need it for more than GP visits etc but if I were to get really sick then at least I don't have to add the stress of finding the money for treatment etc to the worry about the illness. Same goes for DH and our children.

PS. $70 a mth sounds like a lot for surgical only for you and one bub, I'd definitely shop around but make sure you discuss pre-existing conditions and whether or not they'd be covered if you switched coz often they're not.