+alexa jessop Alexa the insurance cover most of my Dr charges,private rooms and tests, when you are hospitalised via public or emergency. The insurance cover most of the charges. My visit to St Vincent private was not by choice it was the only available alternative at the time, what made the difference is the schedule Dr fees vs what the Dr or Consultant charge in private hospital. I have learn a lot after this experience. I'm concerned where this country is going on health issues. For sure will not benefit the needed.