We have private health insurance, my main concern was for the kids to be covered, we are with Mutual so our kids dental is free.
We have a plan so our children are covered in any hospital and DH and I are private patients but only in public hospitals if that helps, so we can go to any public hospital and be seen as private patients.
We have all the extras like optical, dental ambulance etc. The peace of mind was worth the money for me.