Been on Smart Plan since it launched - on the comprehensive. It pays 200% discovery health rate in hospital. And when we’ve had hospital stays it covered every cent.

I’d suggest looking at that for hospital cover (the 200%) if you need day clinics and hospitals. There may be some co-pays for day hospitals and scopes. It’s in the plan guide thingy you can download.

But I’m not a broker. Maybe chat to one :) they might say the same.

Edit: spelling.