Thanks ladies.

Cranky kitten i pay ambulance seperately Would never do away with that one.

Miss E that is definatley incentive to keep it going because we've hit the 32 year old mark

I just got off the phone and turns out that the hospital cover i have only allows us to be a private patient in a public hospital with still a very limited list of Dr's to choose from. And as the lady put it quite an expensive cover for not much cover at all. She said it's the one people often take to avoid the extra surcharge at tax time, the high income one which is definately not us. How uninformed am i !!?!? So she is posting out some brochures of our best options of extras only or hospital and extras so i can sit and discuss it with DH. We already pay full price for a couple of things that we could benifit from having extras so i really want to look at having them somehow.

You have all helped me a lot. Thank you