I decided to buy PHI in early Jan as advised by my friends in Australia. Since we have been trying for a baby for quite some time already, it would be good to have some coverage to reduce our hospital bill in case I'm pregnant later. Also, it would help if we decide to go for IVF.
There's a waiting period of 1-year so that is the reason why I bought the plan now. Also, since I just turned 31 I would need to pay extra levy/charge if I don't get PHI by next June after turning 31.
I was quite in a hurry to buy the plan so I asked among my friends for recommendation and decided to go with Medibank.
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