Private or subsidised?

As you mentioned, top factor is budget. Subsidised - Cheaper. May have lesser ultrasound scans, no fixed gynaes, longer waiting time. Can only choose certain wards. Private - More expensive, number of ultrasound scans depends on different gynae. (For mine, it was one per visit but package was cheaper so yup.) Fixed gynae, schedules appointments faster. Usually private will go for one bedder (majority, not all.).