For as long as I can remember both my husband and I have had Private Health Insurance which has afforded us to choose the Doctor & Private Hospital of our choice when needed over the years. If we hadn't of had Private Health Insurance I hate to think how long we would of had to wait on the waiting list at the Public Hospitals plus put up with the symptoms.
In our case, Private Health Insurance served us well & has truly paid for itself.
Many people say they can't afford the yearly fee.
It depends on what is important to each individual who hasn't taken our Private Health Insurance in their life.
Of course there are several people who couldn't afford the yearly fee, especially those people who are renting a house at a costly rate, plus some single aged pensioners.
We have never had any trouble throughout our lives paying the fee, and yes, we have been through tough times at times.
Just a few of my thoughts on Private Health.