i dont think i will be getting any return back this year :-(.
i got free private insurance (well the wife's job pays for family fully insured). as i see it, private insurance is crap, unless you need it ;-) ever heard of waiting lists on public system. one of my friend's brother did his knee while playing game and he had to wait for over 18months and it heart like hell (he ended up paying a private doctor to do it but it cost him over 10k in fees) private insurance then next day no problem. also you have choice with your doctor and do not get a hack, many registrars (as they are basically practising on you... you are their live guinea pig) and quite a few doctors are really really bad, too scary to believe but its true. i heard of one registrar and a surgeon who are banned to operate alone.
pity private does not pay for any part of the specialists fees :-(
also, if you ask the private insurer's staff they will tell you to get ambulance cover, as the insurance company might not class the ambulance callout life threatening enough to warrant them paying for it.
i could do my tax, have been doing it for all the years except the last two, but i am lazy and depreciation and sole trader makes it more time consuming then just paying someone to do it for me.