Hi All,
I was a medibank member for about 20 years, I recently changed because of price increases etc, all the normal stuff. Never really had a bad experience, but then again never really used it for anything other than extras.
I moved to HCF. We are getting the same extras cover, for a lot less. However having a conversation with a pharmasist friend, she has warned us that in emergency situations that don't cover much.
The example she gave was antibiotics not covered by the PBS, can't remember the name of the drug, but it is used to fight staff infections etc, and can put you out of pocket in the thousands.
HCF and NIB etc refuse to cover any of these costs, whereas the likes of the bigger companies are more likely to cover some costs?
Has anyone had any experience with this type of claim? Am I better off going back to a bupa or medibank, just in case? Our friend had nothing good to say about HCF and NIB etc. But if you read online reviews, all private healths are as bad as each other for not paying for one reason or another.
Interested to hear others thoughts on the matter.