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  1. #51
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    i have single private health with BUPA (MBF) middle of the road so that the cost of IVF if required was covered. Would love to extend my cover to include my kids but i just cant afford it.

    i will use it to be a private patient in a public hospital to have baby #2 as i did with #1. I had 6 admissions with #1 before she was born and each time got a private room which made things easier for me.

    Wouldn''t be without it once baby #2 arrives i will assess and adjust the family budget in hopes that i can afford to add my children

  2. #52
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    headoverfeet is offline The truth will set you free, but first it will **** you off. -Gloria Steinem
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    I'm with Bupa too, I kept hitting my limits on my ancillary cover so I switched to their top level, I pay nearly $400 a month but I save $260 a week with all of us going to the chiro (that's after I take out the $400) plus I just got my teeth fixed (2 fillings and 2 cracks/chips fixed and both boys teeth checked and it cost me nothing) I have to have all 4 wisdom teeth removed and it won't cost me anything very happy!


    Took the red pill.

  3. #53
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    Hi Girls,

    Currently we are with Latrobe Health, Im not sure we are getting the best benefits... We pay $173p/m for dh and I just for hosp cover (top)

    Im looking on Iselect atm to see whats better for us.. but it seems that Bupa is quite popular on here...

    For thoses who are with Bupa, and are currently doing IVF advise on what you get back for your cycle? I am interested in the mid range hosp cover.. Advantage I think its called..

    Thanks again!

    X

  4. #54
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    I think you get better deals calling the company direct. Maybe choose the top three from iselect and then call each one and ask all questions relating to the cover you want. It takes a while but I found the deal cheaper and some are offering the first month free at the moment when you speak directly to the insurer.

  5. #55
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    Agreed. Take I-select with a grain of salt.

    Perhaps ask your clinic/specialists if they have a prefered fund.

  6. #56
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    Ah good idea...

    I will do that tomorrow... Thanks for the tip!

    I did a quick one on my phone last night and it said that frank health (never heard of it) would be good for me yet today it's hcf that's a good match...

  7. #57
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    Also some might seem cheap with the premium but the claim refunds etc might not be much. I've been caught out with that. It's such a headache organizing private cover but if you do the homework it'll pay off. Good luck! Hours on the phone that you'll never get back!!! Haha

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    Izy  (01-02-2012)

  9. #58
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    Quote Originally Posted by jessesgirl View Post
    Hi Girls,

    Currently we are with Latrobe Health,

    and are currently doing IVF
    Switch from Latrobe asap they are cheap for a reason

    also if IVF is not current selected it will be a pre-existant condition this happened to me

    also what I love about phi is you can have insurance for you pets yet you can not insure your child without insuring yourself how does that work

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    Izy  (01-02-2012)

  11. #59
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    Thanks ohdear!

    Eek! Now you have me worried! We have been with Latrobe for over 2 yrs now had extras but really didn't use them at all so dropped to just top hosp...

    I dread sitting on the phone tomorrow but I have to do it! 😳

    Only reason I'm looking on iselect is if you change thru them I don't have to serve any waiting periods whatsoever ... But as pp has said I think I'll get a better deal calling direct!

    Any particular questions you think I should ask?

    X

  12. #60
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    I would ask...
    1. Hospital excess- every time you go? One per year?
    2. Waiting periods roll over (they should but ask for confirmation).
    3. Ask for examples of refunds with claims you might use... From glasses to fertility. Or chiro/massage etc. the sorts of things you would use because the vary from product to product. Eg my old insurer would only give me back $18 from a $65 visit to dietician. But new one gives almost $30.
    4. Some companies have free dental from their provider choice, check if your dentist is on their list, otherwise you'll have to pay or switch dentist.
    5. Check for any current deals like first month free.
    6. Some allow different premium based on your hospital excess too so you might want to check that.

    Perhaps make a list of the five things you want to be covered for etc. this is what I did and I called around. Medibank turned out to be the best for us.
    Hope that helps a bit!


 

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