I'm with Aust Unity too, swapped over to get home birth cover (more than 12 mths before the birth so I could access it). I'm getting heaps more back on extras than i was with my gormer fund, but it's more expensive. We sat down and calculated the approx benefits. We get a discount for having NRMA membership too.
I would call them and discuss it as they can help you sort out and understand it better plus I also found out it was cheaper when speaking to them than what was on the internet.
We're in the states and currently pay about $580 a month! That is for very basic cover for my H and I (massive $3K excess) and good cover for the kids as we claim a lot of therapies. Looking forward to being back in Australia when it comes to health insurance!
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