I've been with HCF for 8 years and have been very happy with them...but I have to ditch them after I've given birth to Number Two, who is due next week. This is because they will no longer have a participating hospital agreement with Cabrini and I haven't finished having babies yet...and I really want to keep going to Cabrini! Pretty cross because I think we've had an awesome deal with them and every quote I get for another fund is more expensive.

I think we will be going with Australian Unity because we can get a 7.5% discount with them through DS' education fund. But I was looking very closely at AHM. We would have gone with them if it weren't for the discount we get with AU.