I second being careful with the phi. I had my phi for 9 months when I got my wisdom teeth out and even though I had passed the waiting period for dental they classed it as a pre-existing condition which has a 12 month waiting period. In the end my dentist wrote a letter stating it was not pre existing and they covered it but this didn't get resolved till after the op so I still had to pay the whole amount up front then claim back.