Ask RiotACT: Peoplecare / St Lukes / HCI hospital cover

Hi,

I am looking for a top hospital cover for a Canberra resident. The selection is good coverage and no/low gap for doctor fees.

At the moment I have found Peoplecare / St Lukes / HCI look good on paper:

• People Care – http://www.privatehealth.gov.au/dynamic/insurerdetails.aspx?code=LHM
• St Lukes – http://www.privatehealth.gov.au/dynamic/insurerdetails.aspx?code=SLM
• HCI – http://www.privatehealth.gov.au/dynamic/insurerdetails.aspx?code=HCI

They all have good gap cover and good pay out ratio.

I suppose my question here is more about real life experience with them. Has anyone used them? I’d also love to hear if anyone has any other recommendations for good gap payment plans etc.

Many thanks.