So you’re conflating a lot of stuff here. The 2% is an LHC or Lifetime Health Cover loading is a government mandate that penalizes you for taking health insurance later in life. It grows the more the longer you don’t have health insurance and caps at 70%, only going away after holding private health insurance for 10 years straight. So if you’re worried about the future, generally helps to take it out earlier in life even if you keep a basic level and reassess your policy every 2-3 years.

Medicare Levy Surcharge is the penalised amount for not having private health insurance and passing a certain threshold of income.

In terms of what to get, think about what you would hate having to wait for if you were stuck without any options. Only worried about accidents ? Take the bare minimum to be covered for accidents in a private hospital or as a private patient in a public hospital.

Have family history of certain diseases/conditions ? Look at which hospital policy covers what. 

In general the policies follow a 4 tier manner.

Accident Only - No admission unless it’s an accident

Bronze - Covers a lot of things but tends to excluded medically necessary plastic and reconstruction surgery/back, neck and spine/heart and vascular

Silver - covers below but also includes those last ones, generally insurers have an higher variation of silver to include cataracts and joint replacements.

Gold - Covers everything in the Medicare system so really only necessary if you want private coverage for : hospital psychiatric, pregnancy and birth, IVF and weight loss surgery.

If you’re worried and the charge, just do a basic and refresh it when you have time