It's like having car insurance, I don't get in my car thinking I'm going to have an accident. Same with private health.
I know way too many people who didn't have private health insurance and had to wait months and months for surgery. Some where in pain, others could have lost their jobs etc. to me it's not worth the risk. Public health is a mess.
It sucks that we need to pay for private health but unfortunately its a reality in Australia.
However even with private health you still have to pay Gaps and all these other costs. For us it's mainly peace of mind in that if something did go wrong (God forbid) we can get into surgery fast and not have a student cutting me open. ( yes yes I know they have to learn I would just prefer it wasn't on me)
That's just my point of view though.