My wife and I have been with Peoplecare for many years now, and have always found them helpful in answering our many queries. They have been very responsive and, if they didn't know the answer, they generally followed up quickly. With the ongoing rise in medical insurance, I have been reviewing value for money, especially with the competition that exists in the marketplace. One thing that happened a year or so ago was that they gave members a rebate as they had a profitable year. That has never happened in any fund I've been involved in before. Overall, we are very happy with Peoplecare.