We are with Medibank and they paid the $1400 hospital fee, with us footing the $200 excess. They also pay for a percentage of DW's drugs like the pessaries and so on.

The PHI thing is totally over my head and DW does all of that. I know we used to be with MBF and they turned out to be crappy for some reason - can't recall why. I may have metioned this before because I am getting serious deja vu.