sylverstream

Have spent about 50 hours and almost finished main quest. Did ryuni, freestar collective, and pirates side quests. I'm getting more and more annoyed by all the loading screens and the frustrating UI. Also graphics are underwhelming in places. I'll finish main quest and then delete the game.

Thanks for the insights! Makes sense indeed. Guess we'll switch to SC :)

I've got a CCWGTV and can't be happier. Replaced the default launcher with Stremio, Streamtube and Kodi prominent at the top.

Yep not willing to find out.

Some cancers are excluded though like skin and prostate cancer, unless it meets certain requirements.

I've read their policy for cancer cover and it's mainly talking about which types of cancer they cover.

Yes, interesting question! I've asked Bing as I'm tired of reading all policies :)

For Southern Cross Wellbeing One, the eligibility requirements for non-pharmac medicines are:

• The medicines must be prescribed by a registered medical practitioner for the treatment of a covered condition.
• The medicines must be Medsafe approved but not funded by PHARMAC.
• The medicines must be administered in a recognised private hospital or by an Affiliated Provider.
• The medicines must be covered under the Cancer Assist benefit, which has a limit of $10,000 per claims year and is subject to prior approval.

A doctor prescription is not sufficient to claim for non-pharmac medicines. You also need to obtain prior approval from Southern Cross before you receive the treatment.

I did a quick search and some non-pharmac medicines can cost up to $200k/year. Standard cover from SC is $10k... It's $50 monthly extra to cover $300k.

Not sure about the therapies you mention though. However, I think e.g. SC would be better than AA Health/NIB, so for us still worth the switch.

Based on this article I'm not very confident in the public health system: https://www.newshub.co.nz/home/new-zealand/2023/10/cancer-patient-advocates-say-health-system-reforms-are-taking-far-too-long.html

I've learnt the hard way to never lie to your insurer...

Thanks for sharing this! I'm concerned about the low rating of NIB, so think we'll switch to Southern Cross. The only annoying thing I've found with them is the low cancer cover ($60k for chemo, $10k for non-Pharmac). For $50 / month it can be increased to $300k cover.

You're right, it doesn't make much sense to have cover for specialist. So far the couple of times we've had a scan/xray it was always below our excess. We mainly want to have cover for very expensive treatments.

We're using it 6-7 days a week, and then the prices went up indeed, to same level as AA. AA doesn't ask that question.

It's for a Leaf, for some reason they are more expensive to unsure.

Haha yes. I did find some older reviews with claims. After some better comparison I found they are not much cheaper so we stick with AA.