We keep it out of habit and because the Government bribes us.

Some people probably get good value out of it. There is a lot of faith healing stuff on their policies and those practitioners rely a lot on over-servicing for their income so the people into that shit likely make claims. There is nothing in it for us. Partner went into hospital once and I said why didn’t you use the card to get a room upgrade with nicer wallpaper and its basically not worth the effort. I’m not complaining because if they were offering value it would be at the expense of the public system and peoples health. But hey hugely overcharge for policies that are basically useless and never get claims.