Well I FINALLY made my decision!
I went with medibank private. I almost chose HCF but I looked into prices of the basic cover (if I ever dropped pregnancy from my plan) and MBP were cheaper. Also If I wanted to add my 9 year old daughter they were cheaper.
HCF seemed great with the no excess for day stay and were about $14 a month cheaper but I decided to think long term as well and thats where MBP won me over.
The other thing that tipped me in their favour was that I would be able to acess IVF after two months providing I don't/didn't have a pre exisitng medical condition. Even though I have a lower AMH (of 6) my fs said that I have to try to fall pregnant naturally for 6 months before I am deemed infertile (or two goes at IUI). So I thought that if I needed to try IVF say 8 months from now then I MAY be exempt from the 12 month waiting period. The pre esiting condition has to have existed at any time during the six months before I joined up. I am not sure if they can prove I had a condition if I haven't tried to fall pregnant in that time so apparently it would come down to what my fs stated. Anyway it is a longshot that I would be exempt the 12 month waiting period but it is better than not having a shot I guess!
Also I believe that you can transfer PHI to another company and they honour the waiting period you already served???