We are with defence health. Pay about $230 a month for top hospital and standard extras with a $800 (per policy) excess. if it was for a child admission there is no excess. We dropped it down to a big excess as we werent using it and it saved us about $400 a year on premium. So if we used it every second year would be the same cost.
Thanks for the replies! We're still researching, it's going to be so expensive but DH's has just gone up to $400 per quarter.
DCookie & FL- DH is currently with Australian Unity, so they're very much being considered.
Hope- We don't need OBGYN, this is our last baby so that's no longer something we need.
I have so many pages open right now doing comparisons!! DH's next payment is due at the start of June, so I'm hoping to get it all done & organised so we can start the new policy before then!
We are also with Defence Health. I *think* we pay between $230 and $280 a month for top hospital and top extras. Our excess is $500 payable on admission to hospital (regardless of if it is day case or overnight admission) but the excess is only payable once a year and there is no excess for DD. I am hoping to downgrade our hospital cover after we are finished having babies. I'll always have top extra's as I use physio a lot.
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