thanks peteb, health insurance websites just confuse the life out of me, none of them seem to explain exactly what you are covered for the word "certain" seems to pop up in nearly every sentence. As far as i can see the maternity benefit should be scrapped as i was covered for it when i had my son but went public on the advice on my gp as you dont actually need private. By going public i was lucky enought to meet my consultant at least once a month, you wouldnt get much better than that private. Just wish you could pick and choose exactly what you want to be covered for and get a quote for that.