Young single person health insurance review

As a young single don't think that my health insurance is exactly right for my situation (top hospital cover with the lowest option for extras). I have the top hospital cover because I would like to insure for all 'worst case scenarios' and know that I'll be covered for hospital or treatments if I ever really needed it. However, I never claim for anything except for my yearly dental checkup - no optical, chiro or anything - and I pay a lot of money for top hospital cover so that I will never be left financially badly off or on a long waiting list for any reason to do with my health. I would love it if my health insurer could see some benefit in providing me with something else that I could actually use towards my health more regularly, like a discount for a gym, or anything else that a relatively healthy person could find useful to stay that way - Thanks.

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