Yes and I refuse to give it up :-) my mum has PHI and in 1 illness with 2 hospital stays and an emergency RFDS flight to Perth total cost $40,000 plus. The initial op (Gall bladder removed) she required would have been a 2 year wait if public and she has it in 2 weeks and spared herself years of pain and hospital stays waiting.
We are with Peoplecare and cannot beat value for money with their cover we have basic private (covers private hospital for everything except 4 things that are only covered in public hospy) with silver extras for our family of 5 it's $160ish per month.
not sure if thats what you meant or not hehe
I also don't know if its for any swim school or certain ones (you know how like certain hospitals and dentists work with certain health funds...)
Yes, we're with HCF. I prefer the treatment at private hospitals - e.g., private room/ better facilities, and have had better experiences through private health than public.
I've also been able to claim a lot of things like acupuncture, pregnancy aerobics/ pilates, etc. which has been handy.
Not all funds pay for swimming lessons, in fact MOST don't.
In July 2002 the government did a massive overhaul of 'lifestyle' based programs. They made multiple recommendations and basically told all the funds that if they ignore the recommendations they would introduced them as legislation to the PHI Act.
Most funds ceased paying benefits then, or in 2005 when the governing department again told the funds to tighten things up. It's because MOST funds listed that it has not yet been legislated.
Rule of thumb is lifestyle programs should be amelioration of or prevention of a specific medical condition. As important as swimming lessons are in most cases it's not prevention or treatment. (although I guess we can all pull the asthma card lol)
(can you tell swimming lessons is a bee in my bonnet?)
yes one of the funds we looked into provided money back for swimming lessons for children the catch was that they had to be diagnosed with asthma to get it back though. It also provided money back on cancer coucil products. we ended up going with medibank though
Last edited by millsmum; 13-05-2011 at 13:33.
I LOVE my PHI
It is expensive but in saying that I have used over $35k worth of benefits so will need to be in it for many years to match my contributions to theirs.
I see it as people insurance but unlike my car insurance I get something back when doing maintenance or if something goes wrong and breaks. The annual premium is not much difference.
PS, My alter ego.... I think your sisters a legend!!!
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