Medibank Private are soon to be my ex insurer.

They cover nothing useful in BLue Ribon extras to any successful limit. 21 dollars for a 100 dollar script.
Exercise physiology, which is a mainstream profession and part of the Medicare Enhanced GP Program is considered a nutural therapy as is rmedial massage so you have a couple of visits and you lose out still paying buckets all year. You want insurance that covers prevanetative health as much as restorative interventions. you'd think they'd jump at the chance to save money as an insurer-nope.

If you want a choice of specialist for elective treatments, use private health cover.

Don't make the assumption that Private Health Insurance somehow gives you special privelege rights when you are crook--the old I want a private room is a good one--if they are available and not more appropriately required for others you may get one. you wont get seen quicker because of PHI-- people are seen in order of need for example in Emergencies.

Emergency care in a private hospital including facility fees are not covered by health insurance. In a private emergency, you will see the on call specialist.

Want to pick your OB then private it is.

If you or your bub is sick--public is the way. Major pead and neonate ICUs are in the public system. If you are sick from an OB process--> really sick--then again public you should go.

Ambulance cover. I would suggest that you avoid private health insurance ambulance cover like the plague. It is a scam. They must be emergencies and even then they may reject all or part of the claim. Australian Unity has cover for ambulance in Victoria, that if you used it for one trip to hospital (you would use it all up). They couldn't reply to me on this one... a little scared.

Take out Ambulance Membership as applicable via your own state service--it's gives you reciprocal coverage Australia Wide.