So my fiance and I are getting married in August and would like to start ttc asap after the big day. I am absolutely so confused about PHI. Waiting periods and what they actually cover is doing my head is as obviously we want value for money and don't want to make a silly mistake because we didn't read it all thoroughly.
As we don't have cover at the moment we will have to wait until the 12 months is up as I understand the date of conception in the initial 12 month waiting period is considered pre existing and isnt covered.
I have pretty much said No to NIB as the waiting period is 24 months
I like the look of Medibank. HCF's website makes little to no sense.
*Anyway, am I right in saying to have a baby I would only need hospital cover?
*When you have PHI do you pick your hospital?
*If I have PHI am I guaranteed a private room or am I going to end up in a room full of women screaming 'get it out get it out!'?
*Do you have PHI and why?
Thanks ladies - I know its long and question-ny but I really don't have a clue at what to expect but I just want to prepare and be covered in case.