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Hubby has two life insurances (being primary income earner) - one thru his super and one private. The super one is willed to his adult children - and that is all they get from him. The other is for myself and junior, just in case. Easy to say the portfolio is the insurance - but currently...

That's like any insurance - house, car, life - you pay with the hope that you'll never need it but you'd be crazy not to have.

True - my MIL (the only one in the family who has used both systems extensively before her death) was treated for urgent cases in the public system ... and then quickly shipped off to private rehab, as they needed her bed. I do wonder where she would have ended up if she wasn't private and...

The public hosp I had my veins removed in also had same policy - and they paid the gap for you. Also, got free tv and a glass of wine each night - but you were in a public ward. I declined as was only in for one night - and wouldn't be drinking or watching anything, but in hindsight -...

Depends whats area they are in ... I know the waiting lists in the Hunter Region - even for urgent, life threatening cases is so long that a percentage die waiting ... to the point where the oncologists are paying out of their own pockets for extra staff. Apparently we are short around 20...

We have private health - but only enough to cover us for what we need (ie, no baby or orthodontic type stuff). I make sure I use as much as I can - massage, natural health etc - as hubby, myself and child are all horribly healthy ... although ... did have an incidence recently where hubby...