Like everyone else has mentioned, we also got phi to ease the pain and discomfort of waiting for the public sector if and when we need "elective" surgery (which I do). We only just got it a few months ago and have to wait out the waiting periods to use it unfortunately! I need all my wisdom teeth removed - two are impacted and one has a cyst around it and it can get very painful. I also need nasal surgery to straighten my septum. PHI will be very helpful for both these surgeries which I will be having as soon as the bloody waiting periods are up. I am also on the list at the public dental hospital - and have been for months now with no indication of when I may be scheduled for surgery! Furthermore, DS has seen so many specialists privately before we had PHI and we have paid out so much money for this because it was just not humane to let him wait for public treatment which would have taken months and months. Once I've had the procedures done we will drop down to basic cover as at the moment it is quite expensive for family top cover. Now I wish I had taken it out a year ago and I could have the surgeries already!