Guys, thread revival time, I've trolled the net, so many options, basically need it so i don't get slugged again next July.
Hbf is the obvious go to but I don't need extras (touch wood) and they seem expensive for what I need, I have full ambulance cover through my union, no pre medical conditions, don't have glasses etc etc.

Oh yer 23 and NO dependants,

What have you got how much does it cost and is it worth it?