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Hey, I am new to all of this and i am taking out my PHI in a fortnight. I am planning on going with medibank, what have others thought of this PHI? Also, apparently there are doctors that have gap cover which means that you are not out of pocket (only the excess) has anyone gone through this way? I also heard you can access your super in order to pay for out of pocket expenses, has anyone done this and succeeded? thank you and sorry for so many questions. I just want to make sure I have my fact rights!