Shazz,
We are with MBP and have never been able to claim anything much thru them and that is one of the top covers. It covers day procedures in hospital PU and some drug costs, but to be honest I never claim them any more it is just a PIA. For all the reciepts I got I think they gave me $35 as most of it is done out of hospital. I remember seeing an add for a PHI company that took that aspect into it. Have you tried Iselectdotcom and seeing what it suggests
Bec