Is health insurance worth having?

I have been shopping for health insurance and I'm finding it hard to actually sign up. I have never had an issue with the public health system. I have not had to wait very long on a waiting list when I have needed operations. All of the major surgeries happen in the public hospital (in my city) anyway so hospital cover seems to be a waste of money. The service I received in the public hospital was as good as I have seen family members be treated in a private hospital. The only thing the public health system lacks in is dental and optical (you can get emergency dental with public health and eye tests and a small choice of frames with public). Looking at some of the health covers some are $2500 per year per couple and that only covers $1600 dental. Is it easier just to pay for a medical service if you need it as you need it?? Does anyone swear by private health insurance? Am I being a fool? Should I sign up?

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