Well it really depends. I didn't have private health insurance when I had my ectopic and surgery. I had a horrific experience with the med students and registrars so that was the deciding factor to get private health insurance so I can have a consultant over a registrar. A consultant is basically the qualified Drs/specialist not the little Drs who work under the supervision and guidance of a consultant. They are all Drs of course but I decided after my history I want the opinion to have the best if I feel I want it IYKWIM.
There are also tax advantages with private health insurance so it turns out I wont be out of pocket that much when I have my tax done.
The problem with it is you have to have top cover for 12months before you can use it for obstetrics or fertility reasons. I have had it 4months so I can't take advantage of it for fertility for another 8months. I got it as I am sure we will be heading to IVF in the near future so I wanted it for that just in case IYKWIM and that way I wont have to them wait 12months. It really depends on your financial situation though as to weather I would recommend it or not. Us we couldn't afford it for our whole family so my DH and kids don't have it just me but I am the one that everything goes wrong with lol