You need to be careful with this on, I was going overseas for 4 months, this was about 3 years ago, I contacted my health insurance to see if I could suspend the payments for that time, they came back and told me it was ok and suspended my payment. After I came back contacted them to let them know that I had returned everything returned to normal, or so I thought, when my annual statement came in it showed my starting date with this company as the resumption of my payments therefor losing all the loyalty benefits I had accrued over the previous 10 years!

But I have been going to the podiatrist, and was at the dentist a few days ago for cleaning and teeth whitening. They tell me it all allowed under present rules provided they gown and mask up. Would love to get a refund but as you can see I have been using my private health cover and in fact think I am nearly at the ,limit for dental having been a few times over the past couple of months, for a chipped tooth.

I have recently contacted my PHI'er, and far from pleased. I have only just found out that when they changed criteria last year, they changed my dental cover. I needed a branch of my denture tightened but when I went to pay, was told my PHI didn't cover this. Which it had done in the past. Of course, if I now wanted that cover, I would have to go up to much dearer level.

Speaking with my fund, they were not the slightest bit interested. Said if I change to higher level, I would have to wait 12 months. They said the small procedure I needed in my denture was classified as 'major' dental work. They also blamed me, saying it was my fault I did not read all paperwork sent out with last year's changes

They also would not offer any assistance, discount, rebate or pause during current. So am sourcing out another fund. I hate PHI, but need it for a nasty rare condition.