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Yes, we had top cover with extras for about 5 years, and I figured out we'd paid out $5K in extra premiums during that period, and I think we'd gotten back about $300, for a tiny contribution to about 6 dental visits and 2 physio sessions. Yeah, that makes economic sense! :rolleyes: And the...

As suggested by others, the huge penalties when your income exceeds a certain level make it more expensive to self-insure. But perhaps you can walk the same "middle road" that we do. We have the absolute minimum private hospital cover to prevent us having to pay the (higher) tax penalties if we...