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...