Mel - you need to check out what level of cover that particular fund requires before you can claim on IVF (I'm assuming that's what you are doing). I'm with HCF and have to be in Top Cover to get a refund for reproductive services (which is very pricey). However this pays for itself after just one cycle. You don't need extras cover. Just be aware that most funds have a waiting period (usually at least 12 months) before they will pay on claims though. It's just a matter of doing some research into different funds to see what's best for your needs.