We have been paying top hospital cover for years in preparation of a delivery

You wouldnt believe it - I am actually not going private now ! When we did the sums and spoke to a friend this is what we come up with - mind you, this is all financially related, not hospital related. It is true, public patients can be sent home in 48 hours after a vaginal delivery

Excess to Health Fund $500
OB fee $4500 - I get around $500 back from Medicare
DH meals - if he stays and eats with me $80 per day !

If I need a ceaser .....

Cesarean - anaethetic fee $1200
Fee for a weekend cesarean by anaesthetist (unknown, but it is charged )
Peadiatrian Fee to see baby $ ??
Private Ultrasounds

If you can offord it, it would be great, however I just could not justify all that money, when I know a reputable hospital will look after me, I figure Im smart enough to take an active role in making sure I am getting properly looked after

Serious? Omgggggg
If it will cost that much OOP , I might consider go to public as well.
I rather than spend all those money on my LO than the comfort of myself for few days.