avoid iselect for your research - it's a paid service for a few of the bigger companies. i know one of the team leaders there and said i was interested in what their best deal for our circs was - she got one of her team to call me - and it was going to be over $100 a month more for less stuff.
there is a govvie website that you can look at that compares all of them - but i found it a bit convoluted. plus it doesnt' allow you to customise what you're really after - just put in major things, not specifics. i've found Latrobe to be awesome - i have always gotten back more than i've paid (just on chiro and optical for me - DH makes it even more value given he needs glasses too). it started as a local fund but i think it's much bigger now (but still based local if that makes sense). the customer service is pretty good - and you can say you want x y and z and they'll run through the options. we get about 400 each in chiro/physio each year, 200 each on normal glasses, 50 on sunnies, and about 600 combined on normal dental 1000 on major dental. we don't necessarily use all of the dental each year (but have both had major dental surgery in the past few years so have well and truly used it before!) - but chiro and optical is a given - so we get back well more than what we pay. if you google latrobehealth (one word) it should come up.
they do direct debit fortnightly too - awesome help!
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