Reference
What policies usually cover
Accident, illness, and optional wellness components vary by product.
Factual comparison information and a question checklist. We only refer you to an authorised intermediary if you ask us to.
Factual comparison information only. We refer you to an authorised intermediary only if you consent.

Reference
Accident, illness, and optional wellness components vary by product.
Reference
Pre-existing conditions and waiting periods are typical exclusions.
Reference
Annual limits, co-payments, and claim processes.
Step by step
Nothing is hidden: you always know who decides what, and when.
Limits, co-payments, waiting periods and exclusions, explained plainly.
Tick the questions that matter and take the same list to every provider.
Only if you consent are your details passed to an authorised intermediary.
Good to know
Tick the points that matter to you, then copy the list and put the same questions to every insurer or intermediary you speak with. We do not rank products or quote prices.