We have good hospital cover - I say good, because in the 3 years we've had, I'm the only one who's used it (IVF, d&c and birth next year) and it's covered everything we've needed it to. I actually just called and double checked that I'd be covered if the baby needs to go to neo-natal intensive care etc, and yep, everything is covered (lord only knows what I would've done if it wasn't covered).
We get no-gap dental for the kids, no-gap optical for all of us. DH and I have both claimed on acupuncture and I'm able to claim on pregnancy pilates as well.
I've not had one issue with them, always found them easy to understand. The only thing is, I wish I knew how much I would get back before I went... like with the dentist, DH and I both had a check up and both had different rebates back?
We pay about $260 a month at the moment. Worth every penny as far as I'm concerned.
ETA - forgot to say that we have a $250 per person, per year excess for hospital admission. I paid it when I went in for IVF, but not for the d&c. The only thing I should be out of pocket when I have the baby is the $250 excess and the Ob's fee's.
Last edited by Elocin; September 16th, 2011 at 01:36 PM.
: forgot the excess info
I am with Medibank Private and have a medium hospital, but top extras.. The extras are more important to us, and I could still drop the hospital down another one and still be covered for what we need.. I personally like the way that I can have top cover in one aspect, and lower in another..
We are with Phoenix and pay about $280 p/month. Its awesome and and glad we have it, when DS was born we went private and did not pay a single cent. When he was admitted back into the private hospital for 3 days a week after we came home from his birth again we did not pay a single cent (and I had a room and food as well). It covered our IVF day surgery fees and we've used it for dental, physio and OB also.
I never plan to stop paying for PHI, in my book it's a must, especially when you have kids
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