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I've been a policy holder at Defence Health for 20 years. Unfortunately, their premiuims keep going up...and up...but so do the premiums of their competitors. As a non-profit organisation, the claim threshold is high, and seems to be higher than other private health insurance companies (I did a comparison a couple of years back). As always, read the fine print and decide which insurance is best for you, but for me, I'm sticking with Defence Health.