It doesn't surprise me though!! We have only had full private cover for not quite 12months now and the only reason we took out the cover was because DP got slugged $3000 off last yrs tax return....high taxable incomes up here in a mining town, but guess what if i did want to go to a private hospital and have an OB the next time i would have to travel 1600kms to do so. Basically you have insurance for tax purposes and not medical reason's at present anyway and i guess in an unfortunate way we might actually use it if necessary!!