Hi thanks for the posts ladies, Smile, I think Sushee is right, you shouldn't have to serve the waiting period if you move parallel to another cover for the things you previously covered, hope that is making sense.

I joined MU about a year and half ago, purely for the benefit that they 100% cover IVF day surgery cost..well, now I only have till 1 Jan 2009 to enjoy this...I personally hate the 'shop around' exercise, as you need to know all the details of the cover, I am a bit annoyed that I have to do this again so soon...

BW, I don't think we would be able to afford EPU & Transfer day surgery cost if without a private healthcover, I think it would cost me $845 for EPU+ $464 for Transfer only for Theatre/accommodation cost...currently it is 100% covered by MU...maybe that's why they realized it costing them so much money, ha!

Ah..we will see...I hope someone will give us all an answer...