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I wonder if ambulance insurance would be the go. I already have it my own fund but HCF sells it for from only 90 cents per week. perhaps you can split the transaction into weeks or perhaps insure various members of your family for only week each on individual policies ........ Not sure of the ethics of messing around with HCF as I think they are not-for-profit. Probably wouldn't think twice if it was Medibank.

I await news on andye receiving his credit.