the extras cover I have pays for itself - I use it heaps for dental, optical, chiro, osteopathic

DH and I will pay the extra Medicare surcharge if we don't have hospital cover, so we do - but have never had the need to use it. I WILL be able to claim back $600 for our homebirth in a few weeks time which is better than nothing

We're with AHM which we have been really happy with - its affordable and good value cover, and the customer service is always good. I review who we're with every year and it continues to be the best value for money for our needs.