I have mid level hospital and mid level extras through medibank (corporate cover)

I only take up the hospital cover as every 4 years I require a new insulin pump for my daughter, and they cover it (and at a cost of $8000-$9000 its a lot cheaper to pay them)

I only join for the 12 months prior to needing it an then cancel once we have the pump.

Depending on finances I keep the extras on which I think I get sound 70% back on most things. I used the dental for dd and chiro for me but that's it so far (will use optical once ive had bub)

I pay $75 a fortnight and our excess if $250 (for me only, DD is free)

I did get obstetrics but fell pregnant too soon so can't use it (and I'm happy with my midwife anyway)