We're with Medibank and pay I think about $260 per month. I didn't join until I was 34 so I had a bit of a loading on my part of the premium.

When we joined we got top cover on everything because we knew we'd be having babies. Our policy includes no excess for private hospital stays - this bub's birth won't cost us a cent (well, except for the gazillion dollars leading UP to her birth!!)

I've recently looked at downgrading our health cover after DD3 is born to save a bit of money and TBH we wouldn't save that much compared to how much we would lose in terms of ancillaries like dental, physio etc.