I have been looking into our finances and I'm switching my private health from HBF to another insurer. (HBF is costing too much). Apparently Bupa subsidises swimming lessons, which would be a big help for us. Does anyone have private health with either Bupa, teachers health or another one you could recommend? I would want maternity as we will be having another bub in the future, as well as optical and physio. Thanks!