Just too add my experience and two bob. We are with Bupa.. cheap, useless, or cu*ts pick 2..
My youngest had a rough birth along with complications with my wife. All of it in the life threatening basket for both (icu). Both were in the private hospital and were transfered to the public because they were not equipped to deal with either issue. Because the boy got transferred we copped a fee outside our cover.. He was in a very poor state at this point, in nicu (neonatal extensive care) and we had a councilor take us aside to help us with the deep shit we were in.. During this process while my boy was nicu I had the insurance admin fuckers track me down, in icu, chasing the excess I needed to pay.. They fu*ken served up the bill while I am waiting to see if the youngest will survive or not.. Won’t ever forget that. If you are ever in the shit, big time, don’t use your private cover. The public system is far better than private, they actually give a shit..
The boy recovered well after many months and is fighting fit now a 8. The wife nearly lost her liver but that organ is one of the toughest in the body. She is good but was a very close call with both..