G'day Deckchair
I can't help wondering how old you are - not that there is any immaturity reflected in your post but I wonder if you are simply too young and fit to have had a flash of your mortality yet.
Remember all those inane questions you answered "NO" in the questionnaire? Just think of all those things that might go wrong and require you, too, to be singled out for special consideration.
I had cardio thoracic surgery in 2004 to correct an aortic aneurism. This is not a fitness issue but the result of an obscure genetic abnormality and it was, ironically, picked up during my class 1 renewal. (Yes I am lucky to be here). I was (and still am) pretty fit and (following some spectacular surgery) I can once again enjoy a normal range of sports and recreational activities.
At 30 I was the youngest patient in the Cardiac ICU... that week, anyway.
To keep my Class 1 (and to feed my wife and family) I need to have a range of tests and screenings each year to ensure there are no recurrences. This has to be considereed by their specialists and yes, Dr Tak Sham is a fully qualified cardiologist I believe.
The $130 is a bit like medical insurance; you pay a bit more than you need in your youth, and hopefully you will get it back a bit later. I hate the fees too but at least some of us can deduct it from Tax.
Good luck mate