Bahh to your friend. Did you tell her that if something goes wrong, its off to public hospital for you anyway. Thats how good the private hossys are...
My SIL went private, her obs was on holiday, the middys delivered her kid. All that dough spent and you just end up with the same care as anywhere. In all reality, its a night or two at most if everything goes well. Do you really need to spend the cash??
If you were happy going public with dd the first time, why not stick with that?
I went private (private hospital) and it cost me my hospital excess, which was $200. The only additional cost I had was meals for DH. Having said that, each health fund is different and you would need to check what you are & aren't covered for. I know my dd was covered under me after being born, but I had to add her straight away after being discharged from hospital. I think I may have converted to family cover either just before she was born or just after. (previous to this I was under single cover)
The one thing I found going private is the own room experience, which is good that you can do what you want, when you want. Ie: shower at any time, sleep without being disturbed by others. One other thing, I didn't get 'kicked out'. I stayed 8 days in hospital after having dd and they said I could stay longer as I was having bf difficulties. Not sure how that would work if you are a private patient in a public hospital.
GL, you will do what is best for you & your family. Don't be bothered by your friend, she sounds a bit pretentious (sp)
I am really really sorry to throw a spanner in the works but if your current insurer investigated you you would find that you aren't covered by them at all.
I am guessing that you parents still have you covered under their "family" policy but I am almost positive that if you read the fine print it would specifically exclude you as you are married. I am guessing that you haven't changed your name or if you have you haven't made a claim since you have - that is usually how they pick up on it.
I think that the best thing that you could do is immediately change over to your own 'single' cover from your parents family one - this will mean that you don't have to serve any waiting periods so long as there isn't a gap at all in your cover - and I would suggest that you do this through MBF as they already have all the paperwork. And then upgrade it to a family cover - check with them what the time periods have to be - most say that you have to have family over for 3-6 months before the bub is born for it to be covered. Your DH and DD will have to serve waiting periods for their cover.
Once you have family cover then shop around and see what the best deal you can get for what you want is.
But please don't rely on the fact that you have cover already because I really don't think that you legally do.
Don't worry about your SIL. I went through the same issues with my SIL. She had her baby in the lap of luxury and I went cattle class!!!! This is how I felt at the time until I heard about how much money they spent. In the end I really didn't think a glass of wine every evening with dinner was neccessary for me, so I went back to public and I am going public again.
BTW after giving birth I had a midwife come to my home for 5 days post delivery to check on bub and me, my SIL was sent home with a bill and nothing else..go figure.
IMO if you were happy the first time then go back. I have private health insurance for my whole family but I don't have obstetrics included...much cheaper
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