I agree, it's a hard one. Lately my DH has been saying we should cancel ours too because we 'never' use it, and can get fantastic public care. Except...I've used it for dental, optical, hospital cover, fertility procedures and alternative therapy. We're with NIB - the cover is really reasonable and service is great. And I definitely want it for when we have this bub.

I'm a bit of a worrier/planner, so I must admit I feel 'safer' knowing I have it if something went really wrong. Today I've been thinking about that poor woman holidaying in Bali who suffered renal failure and is now in a coma after drinking a very dodgy ****tail. It cost her family $40k to fly her back to Australia - they didn't have travel insurance. Different insurance and situation, but you just never know.

Shopping around and getting lots of quotes is a good idea. Then you know you've made an informed choice.