I am delievering in a public hospital as a private patient with my Obs. I work in health and trust this hospital implicity - the private cover is for my piece of mind.

I am not sure I would have had a private midwife... I suppose I didn't really look into it much - but if I hadn't have decided long ago that I would birth at this public hospital as a private hospital then it may have been something I would have looked into.

Going private with my cover wouldn't have really saved me money (from what I looked into but it was a while ago - 1 or so years).