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Superannuation vs insurance

Hey,

So i have decided to have a gastrectomy. I was planning on using my super to fund my surgery, however I am freaking out about there being a 'complication' post surgery. Has anyone used their super to do this? If so, what was your experience?

I do have PHI but am put off by the 12 month waiting period. I know this is the smartest and safest way to go, but just wanted to hear some stories so I can weigh up which option would best suit me

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