If anything with kids I'd keep the extras and maybe reduce or change the hospital cover. And yes, some funds will do an extras-only policy. DD is staring down the barrel of braces/orthodontic work once her adult teeth finish coming through if they don't straighten up on their own, DH and I both wear glasses and I see a chiro every 2 weeks. Plus I only paid about $50 out of pocket for my last extraction (ouch) rather than the $200 it should've been.

We're with HBF which is a WA based insurer and have both health and car insurance with them through salary sacrifice with DH's work - definitely a better deal than paying directly, maybe check with your DH's employer to see if this is an option for you?