Yeah the insurance is a joke and seriously needs to be looked at. Its honestly bordering on a rort.
My brother tried using it the season before last, and from memory its something like - you need to use all your sick and annual leave up first before they will start paying you for missed time at work. And they don't even match your wage anyway, its something like $400 or $500 a week (memory pretty sketchy on this). I believe for any medical expenses they are pretty useless and a massive hassle to deal with as well.
Get something worthwhile in place so its useful, or make it an optional thing (ie provide private health insurance details and you are exempt).






