I was on the classic delta saver before I changed to Fed health. All l know is that you have to use delta hospitals, all gynae visits come out of your savings. I think they give you 2nights in hospital if it's natural birth and 3 if it's creation. You can also call them and ask what they cover.
I will let you know how my first month goes. Since i have had my first period, I can pin point will ovulation will start and therefore when my fertility dates are. I think that's enough for me at the moment. wont try the temperature and the ovulation kits unless i absolutely have to