Thanks everyone for the info so far. When you look at it like insurance, same as the house or car, you wouldn't be without that and this is way more important.
I didn't realise that some specialists would not see you without private health. It's just so expensive though! I don't need it for pregnancy related as we have our two daughters and aren't planning on any more. I haven't had anything but good experiences in public hospitals otherwise I probably would have had insurance by now although waiting lists are a bit of a joke!