I'm with medibank and they are just awesome! We are on the premium plus cover with no excess which is the highest cover they have. We went for that one cause at the time we were planning on trying IVF (didn't end up needing it) so your fam prob wouldn't need that much cover, but we pay about 150 per mth. we had no OOP for going to hospital and if for some reason the hospital can't give us a private room, medibank pay us $50 per day for each day were in hospital. Just went to the dentist with an almost $900 bill and the whole lot was covered. we also get $220 a year to spend on things like if we ever do have OOP costs, you can use that to cover it or any extras you may want or need. We pay ambulance levy in our electricity bills so I'm not sure if we also pay for it in our cover but I know we are covered and thats all I care. we also get free extras like message, natral theripists, some back on some health things, someone said about gym membership but I never checked cause just saying the word makes me tired!! lol. We are also covered for heaps of other things too many to list & remember, but we're really happy! They also came to the hospital when I had daytona to make sure if i was happy with everything and added the new bub to our policy and the price has not gone up with the extra person.
I think that website to compare companies is iselect or there may be others. I basically checked on all the comparison sites then went onto medibanks site and just went with the cheapest quote for exactly the same thing.