Don ' t support a service that you know is run by scammers . Boycott such services . <| sep |> could you send a screen shot ? full size <| sep |> My suggestion is get the basic hospital cover and load up on extras . As a single person I pay $ 78 a fortnight for that privilege , but I get 80 % back on extras anyway . I ' m with Bupa . But the whole idea of basic hospital cover is that it covers your costs in public hospitals but you may have to pay for ambulance , depending on what cover you get . In any case , I ran you guys through a quick and dirty quote I ' ve no idea how old you and your partner are , etc , so I just put in some random values roughly $ 110 a fortnight would get you basic hospital cover at least 60 % back on general dental , optical , physio and chiro at Bupasupported providers . Or $ 120 a fortnight for nogap dental and physio services for your kids at Bupasupported providers . Howeverrrrrr . please take this with a massive grain of salt because your individual circumstances may be completely different from what I put into the quoting thingy on their website and there may be better options out there though I ' ve found , personally , that Bupa have been very helpful to me with any insurance claims I ' ve had to make .