We are with NIB - great service, good prices - our cover is 80% on anything claimable (physio, chiro, optical etc) and we have family cover - its about $85 a fortnight......

We get a limit of (roughly) $300 on each service, each of us, every year, 80% cover on new glasses every year.... if you use it properly we defiantly get our money's worth.

we dont have the other extras such as naturopathy etc though.
We've been with NIB for the last 10 years too. They are excellent! Never a problem with any claim. Dh gets reduced premiums because he is part of a corporate plan too. I would highly recommend them.