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