Peter was 62 years old and looking forward to retiring and being able to play more golf and travel with his wife. Most of his working life was with the banking industry and his family had gained independence and left home.

In April 2004. Peter went to his GP as he was having difficulty passing urine. Blood tests were taken and he was found to have a PSA level of 6.3. Peter was referred to a Urologist, had prostate biopsies and recommended brachytherapy as treatment.

Thankfully Peter and Jane had health insurance as they were advised the cost of this treatment would be $22,000. Peter was able to have the treatment, and because he got prior approval the providers were paid directly and he was able to contentrate on a speedy recovery and a return to the golf course.

David aged 45, divorced with two school aged children, went to his GP for a routine medical for his truck drivers licence and was found to have high blood pressure by his GP & sent to a cardiologist for investigations. Eight months later David started experiencing Angina. An engiogram, angioplasty and eventually bypass surgery was required over a period of 18 months. Total claim cost to date has been $60,000.

David has a health insurance policy with a nil excess and he was able to have all his treatment and surgery performend in a private hospital and have "peace of mind" knowing all costs would be covered and he could concentrate on getting better.