EJ, I'm with Australian Unity too and they are def the most expensive. The flip side is that they provide much better benefits than the other funds I've been with. Their extras cover is fabulous.

It might be worthwhile looking at how you can reduce your current premiums. Increasing your hospital excess, reducing the level of hospital cover to what will still work for you but not be as expensive, what level of extras cover you need, etc. After I have my homebirth (which Aust Unity cover), I will be reducing my level of cover to a slightly lower and less expensive level. I calculated that what we would claim back for the homebirth and everything else during this pg made the more expensive cover worthwhile for a period of time, but not ongoing.

Phone them and see what you can do. Explain that finances are an issue atm as well. I think it's worthwhile using your standing as a longterm customer to see what you can do where you are first and then compare.