I think you may have some issues if you aren't covered for pregnancy in using your private health insurance.

Our PHI did not cover us for IVF related things - they only covered certain items when we went to hospital for egg collections. When I was hospitalised for a week with bad OHSS, we got slugged with a bill of nearly $2000 as somewhere along the line things were changed from "ovarian disfunction" to "OHSS" and then they said it was an IVF related illness and they would therefore not cover us fully. I think you will find similar things will happen trying to use PHI for a pregnancy related hospital admission if you are not covered for pregnancy.

BW