Health Policy

Insurance · Family Health

Hospital, dental and extras for five — with zero bill shock

The Reyes family of five dreaded every medical bill: braces for one child, glasses for another, and a knee surgery on the horizon. We combined mid-tier hospital cover with top extras, set up direct billing at their local clinic, and timed the knee surgery for the month waiting periods expired.

What we delivered

• Hospital + top extras combinedMid-tier hospital for the big bills, top extras for dental, optical and physio.
• Direct billing arrangedNo claim forms at their clinic and dentist — the card does the work.
• Surgery timed to waiting periodsKnee surgery booked for the exact month cover matured — fully paid.

Measure	Before	After
Annual out-of-pocket	$6,200	$1,150
Dental covered	None	$1,000 per person
Knee surgery bill	$9,400	$0
Claim paperwork	Every visit	Direct billing