Had some experiences at both public and private hospitals due to my family's medical condition, here's what I think about the pros and cons. Time with Doctor/Private vs Public care -Private practice doctors tend to spend more time explaining the patient's condition (usually more detailed) and are more readily contactable. -Private Nurses also tend to be more experienced both in terms of medical knowledge and degree of care (hospitality) -In comparison, public hospitals tend to be crowded (understaffed nurses) and senior doctors are usually not readily reachable apart from their daily morning rounds. Its common for medical students, junior doctors as well as nurses repeating the same questions to patients with nothing being done in between apart from waiting for procedures or decision from senior doctors (e.g. Do you feel pain? on a scale of 1-10 how much pain? ..... it can be rather annoying when you are in pain. ) Waiting Time -Typically no/low waiting time in private hospitals compared to public hospitals. Worse for non-life-threatening conditions General environment -Private hospitals tend to have fewer beds per room (probably max 2), sometimes it can get rather rowdy in a public ward Lastly, on the additional $777 premium for private hospitalisation coverage, believe in the event you opt to ward in a public hospital despite having private hospitalisation insurance, you do get some cash rebates from the insurer. Hope the above helps.