We are also with Defence Health. I *think* we pay between $230 and $280 a month for top hospital and top extras. Our excess is $500 payable on admission to hospital (regardless of if it is day case or overnight admission) but the excess is only payable once a year and there is no excess for DD. I am hoping to downgrade our hospital cover after we are finished having babies. I'll always have top extra's as I use physio a lot.