We are about to start trying to conceive (we are no longer not trying to anyway) and we currently don't have private health insurance. I'm a part time nurse and part time photographer (will likely only do photography after we start our family) and he is a full time teacher. Currently cumulatively we make ~ 110,000 per annum and this will drop to maybe 70k for the first year or 3 after having a baby. I'm just wondering whether it is worth us getting private health insurance and if so why and who the best providers are from personal experience? Also, if we fall pregnant straight away would any of the providers cover the pregnancy/child... granted where I want to have a baby is a public hospital as they are a better facility than the private ones I've just heard often they won't cover a lot of things if you've been with them for under a year!
Edit: Should also mention that we are paying off a mortgage and a personal loan which eats about half of our wages along with the bills