My favourite health insurance story was when I tore my ACL years ago and they tried to tell me I wasn't covered because it was a pre-existing condition. You ******* wat?
Ended up paying for it all upfront because the public wait list was stupid (goodbye home deposit), then after the surgery etc managed to talk to a semi literate drone instead of the Freo supporter I was dealing with before, and she was all like why the * did they try to argue a torn ACL was a pre-existing condition? Here's all your money back.
Far out.
That's scary but not surprising. It's also why I haven't changed my car and home insurance from Shannons. Probably cheaper cover available but they've been amazing to deal with whenever I've had a claim, and don't treat you like you're trying to BS the system.