The costs charged to my private health insurance for my births have been about $5000 - $6000. I'm going from memory as I don't have the figures in front of me though to be sure though.

If the birth is uncomplicated then it's a straightforward charge from the hospital and a separate one from the attending OB. My OB has 2 charges depending on the birth. If there are complications or you need an epidural or a c/sect then there is anaethasist fees and fees from other Drs called in to assist. I have had 2 births that had complications where this applied. I guess you need to take into consideration the possibility of a complication and if you can afford to pay for that when working out what to do.

Not sure if that is what you are after or if it helps with your situation. I'm in Victoria.