Read down the page "A 52 week waiting period applies to maternity/pregnancy benefits." I believe it is the date the baby is born, well thats when most expenses occur. You also been to remember that not all pregnancies are 40 weeks and you don’t want to be caught short. To be honest, unless you are thinking of Mount Carmel, in a major hospital there not too much difference in going Public, Semi Private or Private. Apart from getting your own consultant (or hoping to get the main man and not a member of the team!) and insuring you are not sharing a room with an undesirable….