Hi,

We are with Medibank Private and even though we don't need all the services I still got top cover for us just in case. My hubby and I pay an excess once a year of $300.00 (only if an adult goes to hospital) and a co-payment of $50.00 per night. There is no excess or co-payment for the children. We find that we use the health fund more for the extras than the hospital. We pay $227 a month for the cover. I do think that having a health fund is very worth while eg. because I was in a private health fund when I had my baby in the public hospital - I had my private Ob and I was looked after by the medical staff who had the most experience not the trainees.