So much to think about

Astrid we have Life Insurance (for DH) and Income Protection (for DH) aswell as the PHI and that was fine when i was working but now on one wage we are doing our best to keep covering all of this but barely having anything left once we have. For me i know and feel they are necessities and i don't want to let them go but money can only go so far. That is why i want to review what we're paying and see if we have any better options. Thank you

Lionsandbears i think that was what i was thinking also when choosing between the two a couple of years ago. I figured extras to some extent are a bonus where hospital could be seen as a bit more of a necessity (if you have the right type of hospital cover (not like me)).

Next week we have a financial advisor coming out who can help review our LI & IP and at the same time i hope to have some decisions made on our PHI and hopefuly we will be a bit better sorted than we are right now.

I'm a little unsure about changing providers even with most saying Aust Unity is quite expensive. If we change now at the age we are won't it be harder to get less expensive cover anyway if they add on their extra surcharge?

I really appriciate all your help, thoughts and experiences ladies it has helped me see much clearer about why we have PHI and why we should keep it. I'm going on a girly weekend starting from 1:30pm this afternoon so when i don't reply for the next few days i'm not ignoring or thankful for your replys. Time to let my brain and body have a bit of rest with only myself and my little lady to look after for 4 days!!!!

Thank you everyone