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

Some people probably get good value out of it but not us. 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. 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. They overcharge for policies that are basically useless and never get claims but as long as they can lobby politicians it keeps them in business anyway. They should let people add their pets to the family policy, then we might find some use for it.