We are with NIB and we think its great. We started out on the couples basic saver one, and then the kids are just added and we become a family - for not much more. I think we pay $77 a fortnight for the four of us.

We get physio, chiro, hospital & labour cover (had to make sure the labour was included cos then i didn't have to pay any extra expenses with c/s!!), I think we get about $400 a year for optical each.. uh.... I'd have to check the AC stuff cos I've never had to think about that before...