Can I add to the original question? I have never ever had PHI and neither had hubby, nor did our parents when we were kids. I know that not having it means you get put in waiting lists when you need something, but generally everything is covered by medicare? But when you have PHI you may get treatment straight away but you have to pay for loads of things like blood tests, ultrasounds etc. Is that right? And if so, is the only benefit to PHI not going on waiting lists?