Hi.....
i dont know a whole lot about the private insurance thing BUT i do know with medibank private they will cover you if you fall preggas in the 12month wait as long as ur bub is due after your 12 month waiting period is up....
we started our policy in jan this year and tey told me so lond as i was due after jan09 i would be covered.....
might not be the same with all companies....
i am looking at going to northpark private in bundoora which is prob about 2hrs from u and they are all private rooms.....
hope ive helped a little!!!
sam