“OH, GOODNESS, GRACIOUS, ME” by Des Kelly Once again, we arrive at another “cross-road” in sunny Australia. Our “Medical-people”, Doctors, Specialists etc., have been “doing very well”, thank you, for nearly all of fifty six years I have been resident in Melbourne.  Right from the very start, I have had “private insurance” covering myself & my family. Insurance is one of those things that is totally necessary, here in Australia, because in a Land where unfortunately, fires, storms, & floods seem to take their toll on a regular basis, one would be in big trouble, if they had no insurance “cover”. You buy your first car, do not have what is termed “Comprehensive” Cover, chances are that you run into the next Mercedes Benz, on the road, only to pay for it’s repairs, for the rest of your natural life!. You needed Insurance for the “contents”in your home. You needed ...