Another thing about private medical, if you leave the country you can put it on hold, just have to rock up with your re-entry certificate within 2 weeks "I think" and they re instate it, I've done it a few times with HBF now for up to 6 months without a problem, there are restrictions on time but not exactly sure, something like 6 months on 6 off max.

Obviously something they don't advertise but they don't cover you overseas so no cover.... no use paying.

Not really worth it for 10 days in Bali but it could save you a lot on a long trip.