most of the insurance plans i've seen here don't seem to cover all the costs of pregnancy, maybe half. there is one, a danish company, that has a very large payout and with this you can actually deliver at matilda (v. expensive) and have all costs paid. if you have 12 months to play with and really want to go private, then look inot this pronto. you can google "danish insurance company", i don't remember their name at the moment. another point on the insurance is that you have to look very closely at how long you must wait before you can conceive and how long before they pay--it's very tricky we found.
what i have learned thus far about private vs public is this. there are several very good, popular ob/gyn's in private practice. i went to one for just a 15 minute consult and it cost $1000!!!!! given such charges, standard insurance packages will not do--they're mostly capped too low. i'm sure you've seen the threads with detailed info regarding public hospital maternity charges--very reasonable. and all accounts are glowing. also, if you should have a preemie, you'll have to go to the public hospital as only they are prepared for preemies. queen mary has a great, well regarded team of doctors who are also professors, something i value because i am a high risk case.
best bet is to contact the major companies, they can all email you answers to your questions. alternatively, contact the insurance broker listed here who can look at all the details for you.
