My extras cover does cover things like accupuncture. BUT I pay $70 a session for my accupuncture and they give me $13.20 back to a max of $300 a year I think. And given that my extras costs me more than $300 a year you want to be getting it for more than just that.

Fertility stuff is only covered for your hospital stays - it doesn't cover things like specialist appointments or the drugs (except the non-pbs ones - and then it is only $20something that they cover) or anything like that.

I suppose what I am saying is that if you don't imagine youself wanting to choose a specialist for anything then I am not really sure what worth it would be to you.

The advantages of private health insurance are:
you can pick your specialist
you can jump public waiting lists for elective procedures (and pretty much everything that isn't threatening your life is 'elective')
Extras cover is worth it if you wear glasses, see a dentist regularly, have non-pbs medications (I'm pretty sure this one is in extras) and use some alternative therapies (but not all extras covers cover these things)