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Wow, BG, I want the fund you are with! But don't know if it is possible since I am in Sydney....but good information.
Currently I am paying around $135 per month, and if calculating all the day surgery fees that we claimed in the past 18 months, I think we are also got quite of a bit value as well...It seems that the top hospital cover is around $200 per month across the market, I might have to increase my budget on this...
ah, another project on top of my reproductive project...
Registered User
Just wanted to bump this thread after spending what seemed an eternity on the phone today with Manchester Unity!
They haven't taken off IVf etc from their policies - just changed the names of their policies and what is involved with various cover etc... Its still there in their top cover, instead of being called Healthmate Executive I think its now called Healthmate Ultimate??? Or something!!!
I've done some calling around myself (we've been with Manchester Unity for 6yrs) - and still deciding - atm HCF looks like the best one for IVF cover - we'd be looking at $252 per month wher Man U is $242 per month... but with Man U you have to pay a $200 excess twice a year for hospital (even with day surgery, which is EPU)... where as HCF you only have to pay the excess of you have an overnight stay... and even there you pay per night ($50 per night)... so if you consider the excess issue, HCF is a better deal.
I tried negotiating with a Man U phone person today - no luck at this stage, but we'll see! I keep asking them what they can offer me in order to stay with them as opposed to switching funds.. they haven't com eup with anything major yet!
HCF also takes your cover over which means no waiting periods as long as your current policy is up to date...
HTH!!!!!
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