Each health fund will offer different rebates for different things. It is a bit of a mission to find the right fund for you but once you have found it PHI is great IMO I would recommend writing a list of what you want it for and then find a fund that offers good rebates on those things. For example when we joined we wanted great dental especially for braces, we also get lots of massage, acupuncture and natural therapies etc and chiropractic, we both wear glasses. Most funds will have a waiting period for dental but depending on what time of year you join they will wave them. For example AHM (who we are with) goes by financial year, I think we joined in March so they waved the 2 month waiting period for general dental. We have found them great but after our bub is born and hubbys braces are off we will switch funds because AHM are now owned by medibank (who $uck). Good luck