Something that I have trouble doing but is the approach I take to insurance is a fully subjective view.

Value is what you are you willing to pay it - for peace of mind, for assurance. What you are paying for is choice - choice of hospital, choice of doctor and not being at the behest of having your condition rated and prioritised against others.

While your condition/s may not be life threatening it could very well be debilitating and have an impact on your capacity to work and by extension, quality of life.

It’s one of those things where it’s not needed until you need it and with that kind of uncertainty (and my situation and conditions) I find it is worth it.

With Medibank by the way. As much as I hate their Customer Service, they’ve always come through when it counts… when I need to claim.