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 found Peoplecare/St Lukes/HCI are good on the papers:
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?…

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

I suppose my question here is more about the real life experience with them. Or please make any other recommendation for good gap payment etc.

many thanks.

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