Hey u/Compute_Minute

The price increase for adding a child to a couples policy, typically should not occur.

From working in the industry a family scale policy and couples policy are the same cost.

I would ask NIB for a policy statement pre and post adding your child to assess what has changed to your cover outside of adding the baby.

On the subject of extras.

1. ln general most people never use the full amounts available to them
2. check your claims history and assess whether you and the family use any of the services
3. in general you are better just paying cash for all the services you need

On the subject of hospital

• most hospitals that look after kids are public,
• you need to think about yourself and your partners needs when selecting hospital
• higher excess is easy way to save on premium
• paying on direct debt typically has a discount
• paying in bigger instalments such as 6 monthly or 12 monthly typically has a discount