BeiBei, our health fund (Westfund) paid towards our FS fee for EPU and transfer, plus some towards the anaethetist, between them and medicare our out of pocket for FS was about $90 and the anae. was $129. Their covers are all no excess, which is what I wanted since I knew we were going to look into why we were having trouble.
When I checked a couple of years ago their waiting period for IVF was 2 years, but in June last year when we were told we would have to do IVF, they informed me the waiting period was now only 12 months. They don't pay out any money towards the big IVF cycle fee, but I don't think many (if any) actually do.

Our family cover is the classic gold, $200.20 per month including the 30% rebate and with extras, not sure on how much it will increase though? they usually increase less than the other funds % wise, and best of all no excess. I think they may pay out a little less with some of their extras than other funds, but i don't mind at all. Since my lap in June last year, and then our cycle, we have claimed for 3 lots of hospital bed fees which have amounted to almost what we have paid to them in the last year! That's not to mention what they've paid out for the FS visits etc and our extras!

Goodluck with finding another fund, it's so hard, time consuming and confusing!

Nic