to be honest I would never be without basic hospital cover (assuming I could afford it - there is a lot I would give up before that)
I have chronic health issues - but the treatment for some of my friends who are public patients for this condition is completely awful. My specialist (who I see every 3 months) will only see private patients.
I also had ankle surgery as a private patient - took 2 months as opposed to the public waiting list which was in excess of 12 months.
DH on the other hand hasnt used his PHI in about 10 years now.
Still - its insurance. Its for when you need it ... and when you need it, you need it NOW.