1. This government website makes it really easy to compare policies.

    1. Thanks Michelle - I'll check it out. I managed to get some clarification about the Health Fund stuff. If we wanted our cover to include IVF and birth in a private hospital we would need to upgrade our policy to the top cover, and then wait 12 months before we could start IVF. But, if we wanted to get cover for obstetrics in a public hospital, then we would need to just upgrade to a family cover at least 3 months before trying to get pregnant. I think we'll just go with the 2nd option as top cover is very pricey each fortnight, and covers us for so much stuff that we wouldn't need for years!!