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PHI - co payment


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Can anyone explain how the co payment works with private health insurance please? I had a call from compare the market who gave me quotes and explained but with the co payment I'm still a bit confused. Apparently I pay 35% of theatre and room fees if admitted in hospital upto $1000. So once my co payment reaches $1000 that's it? As well as if there's an excess too of course. 

Just making sure I understand what's going on. The health fund is CUA - Credit Union of Australia. They were the cheapest quote because of the co payment and they pay out higher rebates and he have me examples like with optical etc. 


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