My health fund has a no-gap policy which you can subscribe to and get more money?

'No Gap' policies are not what they seem. A similar trend occurred in the USA over a decade ago and the thousands of surgeons who subscribed to it rapidly found themselves with insurance companies telling what they could and couldn't to with their patients and essentially enslaved to bureaucrats. Private health care in Australia is still very much physician led and it needs to remain that way. I do in fact subscribe to these schemes on a very limited basis so that I can look after patients with complications without having to charge extra out of pocket expenses. Frequently health funds refuse to pay for services for 12 months or more which is another reason these schemes are poorly subscribed to.