We got it a year before I had DS (perfect timing!!) and we are with NIB. We decided to go through them because they were the cheapest quote that we were given (and turned out great cos they recently went on the ASX and gave us 600 shares for nothing - bonus!!) and we were signed up as a "couple" and then once DS was born, went onto family. They said that if anything had happened to DS when he was born, and he needed medical attention, then they would have paid a percentage of the costs, even though he wouldn't have been under the cover for long if that makes sense? I think its great that we have it, save heaps at the dentist etc and was great with the chiro that we took DS to when his neck was out. Saved us LOTS. I definitely don't think that we are stuck up yuppies or whatever, but rather, we are looking out for our family in the best financial way we can. We aren't on a HUGE (or even big) income, so it is a bit to pay each fortnight, but really, the alternative can be more damaging to our bank account if we didn't have it!!!!
Good luck!!! :-)