+ Reply to Thread
Page 1 of 2 12 LastLast
Results 1 to 10 of 12
  1. #1
    Join Date
    Mar 2010
    Posts
    147
    Thanks
    6
    Thanked
    9
    Reviews
    4

    Default PHI is it really worth it?

    I'm pregnant with my 3rd and final child and will have him/her privately. Once I've had the baby I'm seriously considering cancelling my PHI. It's so expensive, I'm currently paying $60.00 a week!!! I think if I open an account and put away a bit of money each week to cover dental and a few other things I will still be saving money. Has anyone else done this? Did it save you money in the long term?

    What are your thoughts on PHI, do you really think it's worth it?

  2. #2
    Join Date
    Aug 2011
    Posts
    2,971
    Thanks
    200
    Thanked
    1,873
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    I often wonder the same thing! I'd say it's worth keeping the very basic hospital cover but not top cover, it seems crazy expensive and the public system is just as good. I worked out i loose money with my 'extras' even if I use all my allowance, I still end up paying more with it than without

  3. #3
    Join Date
    May 2009
    Posts
    2,315
    Thanks
    0
    Thanked
    95
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    I'm on my 15th day in hospital. At min 500 a day I'm sure as hell getting my money worth!

    We use everything so it's worthwhile forus

  4. #4
    Join Date
    Jun 2011
    Posts
    1,317
    Thanks
    213
    Thanked
    218
    Reviews
    10
    Achievements:Topaz Star - 500 posts
    I don't have PHI. Just never got around to it and since DS came along we don't have the spare money for it. I will get it once we are in a financial position to do so.
    I think it's worth it when you need surgery you can pick your own surgeon and not be on a long waiting list, especially for orthopaedic surgery as an example.
    I think you get great care in public hospitals, it's just waiting that's a problem.
    When my FIL had cancer the surgeon recommended he go to a public hospital because he'd get better care there.
    I'd keep just basic hospital cover and get rid of the extras.

    Sent from my GT-I9000 using BubHub

  5. #5
    Join Date
    Nov 2011
    Posts
    3,786
    Thanks
    1,216
    Thanked
    2,134
    Reviews
    15
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    I have been wondering this too, but I just keep thinking if something were to ever go wrong, I'd be so thankful we have it. Plus, we all wear glasses, we make sure we use our free dental checkups and I use it for massage too hehe so it's kind of worth it for us.

  6. #6
    Join Date
    May 2009
    Posts
    4,801
    Thanks
    1,043
    Thanked
    2,261
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Someone on here once said we insure our cars, homes and belongings but we fail to see the need to insure the most important thing which is ourselves and our kids.
    Its a good point.

  7. The Following User Says Thank You to Janesmum123 For This Useful Post:

    Chocolate All Gone Now  (21-05-2012)

  8. #7
    Join Date
    Jan 2007
    Location
    Newcastle, NSW
    Posts
    6,737
    Thanks
    111
    Thanked
    907
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    we wouldnt be without it.

    DH alone has had 6 operations in the last 4yrs (football related)

    i had one operation plus lots of hospy admittances when preg with DD2.

    DD1 has had grommets and DD2 will prob be getting some soon too.

    we like the convienience and the speed at which we get in to have medical things done rather than going on a waiting list.

  9. #8
    Join Date
    Jul 2010
    Location
    The Kimberley WA
    Posts
    4,665
    Thanks
    920
    Thanked
    1,192
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    I had both boys in a private hospital, prescription glasses for us both and contacts for me, phsyio, my dh having had 3 ops in a private hosp and visits to the private skin specialist, ds1 having laser treatment etc so yes it's been worth having the cover. But regardless I just wouldn't feel comfortable not having it.

  10. #9
    Join Date
    May 2005
    Posts
    10,211
    Thanks
    801
    Thanked
    594
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 postsEmerald Star - 10,000 posts
    We have basic cover, my op bills in the last 3 yrs have been well over 30k , the boys at least 10k each too! We pay roughly 100 a fortnight. No extras but its just worth it for our family.

  11. #10
    Join Date
    Sep 2008
    Posts
    2,274
    Thanks
    1,001
    Thanked
    513
    Reviews
    1
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    For us it's essential. The hospital here has quite possibly the worst reputation in Australia and the times I've had to go there for me and/or the kids it's lived up to its reputation bar twice.

    It also means that wait lists are often not needed and surgery can happen quite quickly whereas with the public system you just have to wait. We wouldn't be without it,


 

Similar Threads

  1. Would you take him for all he's worth?
    By LivinOnAPrayer in forum Single Parents
    Replies: 17
    Last Post: 05-08-2012, 15:41
  2. Is it worth going to GP?
    By 2BlueBirds in forum General Health
    Replies: 5
    Last Post: 25-06-2012, 14:20

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
FEATURED SUPPORTER
SportsMed SubiacoSportsMed Subiaco's experienced physiotherapists offer a variety of exercise options for pregnant women and new mothers ...
FORUMS - chatting now ...
Neighbours 30 years - 2015Movies / Music / Books / TV Chat
Do people suck...?General Chat
When should I test? TTCPregnancy Tests & Help / Support with Results
❤Joyous June/July TTC!❤Conception & Fertility General Chat
REVIEWS
"Made bed time less anxious"
by Meld85
My Little Heart Whisbear - the Humming Bear reviews ›
"Wonderful natural Aussie made product!"
by Mrstwr
Baby U Goat Milk Moisturiser reviews ›
"Replaced good quality with cheap tight nappies"
by Kris
Coles Comfy Bots Nappies reviews ›