Medibank private have always been very good when we have claimed anything, all private insurance costs a bit, but I am happy with the cover and service we get! We especially use it to get refunds for chiro, physio, dental and glasses. Although about six months ago, we did have to claim for hospital excess to. The cost varies obviously depending on your circumstances, but we pay about $212 a month for hospital and extras cover. I usually claim at the provider now so that I dont even need to wait to claim which is great as it saves money.