That still only comes to a bit over $9000 for two years, nowhere near as bad as the $14,000 you originally suggested. But yes, the cost can vary wildly!
For me, having a specialist Ob was important, which is why I had the private cover. I wouldn't be disappointed about seeing a registrar or resident if I was sick, but when it comes to surgery (or the possibility of surgery, not that I ended up having a c-section) if I can, I will choose a consultant every time. And having PHI gives me that option.
And this is what it all comes down to, when deciding whether to take out PHI. What suits everyone individually. Like I said, I wouldn't be without it. Others are happy without it, that is what suits them
Sorry OP for derailing your thread!!