There's a website somewhere that lets you compare lots of different policies from different companies.... can't remember what it is.
You can do an online quote with each of them and figure out what you're entitled to and what you get coverage for.
It's iselect. I rang them and by going through everything we needed with the very friendly and helpful guy on the phone, I saved us $35 a month and we have more in our cover. He even gave me time to go away and think about it. I'm now with Latrobe Health, in Melb. It's a non-for-profit fund. I haven't claimed yet, but before I joined I asked the lovely BB ladies and only good reports came back. Only catch is that I have to have ambulance cover taken out seperate, but that's no big deal - we were doing that anyway with the more expensive fund.