Hi guys - we got phi around same time as we realised we needed ivf. My clinic goes to an expensive hospital in Melb for EPU and cost us 1300 first time for day surgery fee plus 450 for anasthetic etc. For the next IVF cycle we were covered which was good and clinic is now using private hospital 10 min away from us. Insurance also covered part of the specialists fee as well. For us and being in a high tax bracket we would be charged more for not having the insurance than by having it. I am with Latrobe and they are really good. When we knew we needed IVF we did quite a bit of searching on what policies cover IVF etc. We will then reduce our cover when we dont need it anymore.