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Thread: Childbirth - Minimizing risks and costs?

  1. #1
    trimprover is offline Member
    Join Date
    Dec 2008
    Posts
    68

    Default Childbirth - Minimizing risks and costs?

    My partner and I have a young baby, and would like to have our second in NZ. We're trying to minimize risks and costs. Here are our details:

    - If all goes well, we'll have permanent residency.

    - We want a hospital birth rather than an at-home birth.

    - A midwife or OBGYN is fine, as long as the actual birth is in a hospital.

    - The birth could be months or years after we arrive, depending on how fast we get pregnant.


    Questions:

    1) Would health insurance make it easier to get into a hospital for the birth? Or do the uninsured waiting lists not apply to childbirth?

    2) Would health insurance reduce overall costs? (In the US it certainly does!)

    3) If we get health insurance, would we want to cancel it right after the birth (since Plunket will take over for the baby)?

    4) Who should get the health insurance: the mother or the entire family (which currently consists of 2 adults, one baby)?

    5) Which South Island cities have hospitals that are prepared to handle possible complications during childbirth? (We want to minimize risks!)

    6) Are there any other childbirth-related factors that might influence where we settle, and whether we get health insurance?

    Thanks!
    US citizen applying for Permanent Residence via Skilled Migrant Category

    2008-12-16 Submitted EOI
    2009-01-17 EOI successful
    2009-02-03 Received ITA
    2009-04-07 Mailed application

  2. #2
    jive is offline Junior Member
    Join Date
    May 2009
    Location
    Auckland
    Posts
    14

    Default

    Hi there,
    Public healthcare for maternity is totally free and even scans in few labs are free. Private would cost you exactly 4000$ and is for the entire package from 1st week till delivery.
    Private care is generally risk free as we know the doctor's experience and profile. But going with public is taking a chance and if its first delivery or complicated, its better to consult a doc from the beginning since the rates are not pro rated for a private doc.No matter we consult them from 1st week or start consulting in 30th week,its full 4k!
    Delivery will be generally in one central hospital and you will need to pay extra if you don't need a shared room.
    Insurance doesn't cover anything in maternity immediately but few providers (eg southern cross) promise to refund back some expenses after 3 years.

  3. #3
    trimprover is offline Member
    Join Date
    Dec 2008
    Posts
    68

    Default

    Thanks for the info!

    So, to minimize risk, we should pick a private doctor, for which we'd expect to pay $4,000 NZ. And private health insurance won't help [much] in reducing the cost?
    US citizen applying for Permanent Residence via Skilled Migrant Category

    2008-12-16 Submitted EOI
    2009-01-17 EOI successful
    2009-02-03 Received ITA
    2009-04-07 Mailed application

  4. #4
    jive is offline Junior Member
    Join Date
    May 2009
    Location
    Auckland
    Posts
    14

    Default

    Private is risk free and there is no need to take a chance.
    But please note that there are many ladies here who give home births or go with public maternity system here. They all had a safe delivery and absolutely free service throughout the pregnancy including delivery and shared room charges.

    Public system is taken care by midwives throughout and to get an experienced, high profile midwife in your area needs loads of luck and efforts especially if you are a migrant and new in the area with less friends. And most of the midwives can be quite busy during our delivery date. So lot of hard work is involved in finding and settling with a midwife here.

    In both systems , you have choices of doctors/midwives like singapore,UK,south african,Indian,Srilankan and chinese doctors. We can see the doctor's profile in their web page. Generally migrants choose a doctor who knows their language and can treat them friendly.NZ govt gives free blood tests and ultra scans for maternity. So doctor charge is the only one which we need to bear.

    It all depends on how fit your wife is and how complicated your conception was and with her age.
    One might not take chances if there is twins or triplets involved or if its last minute C section or breaching cases.
    And do note that 4000 is just the doctor's fee(includes ultra scan) but room charges are extra. Since you will have PR, room charges will be 350$ for first 2 nights and 500$ from the third night if you want a separate room and shared room without on suite is generally free. Shared rooms doesn't allow partners to stay all the time. But individual rooms allow partners to stay always and visitors can be accommodated.

    Everything depends on how much risk you can take and how much money you can afford and how much privacy/luxury you/she expect.

    Doctor's fee is paid partly like 1800$ on 28th week and rest on 35th week etc. There is a doctor visit charge which is 250$ for first consultation apart from the 4k!!

    Reg insurance, they cover for maternity but refund is not immediate.
    Refund happens partly (eg, 1250$ the first year, 1250$ the next year and rest the following year). We should collect all the bills and then claim later. There could be some costly coverage or other options which am not aware of, but a decent plan in a good insurance works this way.

    Insurance doesn't need to be there for a female to get entry into public/private hosp. All women are eligible for maternity services here and doctors/midwives can be chosen depending on their availability during the delivery date.Plunket provides after birth child care for sometime which again depends on your affordability to cover the child for private peadiatr or to settle with plunket.

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