I took out PHI soon after my wedding because we were planning for a baby, the way it works is you cannot make a claim with your insurer for pregnancy related expenses until you have passed the 12 month period. This doesnt mean you cannot get PG for 12 months, technically 3 months after you could get PG but would need to bear in mind that if you have early labour you may not be covered. My insurer told me that they cover the accommodation side of things, so the private hospital fee. Not sure about obstetricians, I think that is a medicare thing but you have to pay the gap amount. Tests are also a medicare thing as well I think. But dont quote me, im still learning myself!