What a great thread to get some ideas without having to go through the pain of phoning around!!!

How frustrating for you to have all this at the moment, GL with tfing you cover and there is no need why you would have to serve your waiting times again!

wow Nic

you policy sound great

I am with HCF and had no choice with that as i TF my policy from the UK and they were the only company that were happy to 'take me on' without having to serve the waiting time and TBH i have been very happy with them. i knew before i arrived that IVF may be our only option so took this into consideration.

I think we pay $191 or thereabouts and have top hospital but minimal extras.

I don't pay any excess, although don't claim all natural therapies.

So when you say your policy covers you to see your FS do you mean the consult between cycle?

I though that PHI only really covered for hospital? which was very hard for me to adjust to as in the UK my fund covered me for everything- bt, ultrasounds, consults, the lot!! was hoping to find one her that would do the same!