No PHI here. Don't see the value in it. I know someone who has PHI, covering dental, and still had to pay 10K out of pocket for her daughter's braces. It's ridiculous.
We don't have many health issues apart from eyesight problems and that is not worth paying PHI for.
I've never had issues with public healthcare. No one I know has had issues with public healthcare. For us it's just not worth it. We have ambulance cover with Ambulance Vic and pay barely anything for it so to us, that's much more worth the money.