Protection
Health cover that fits the way you live.
Medical costs can be one of the largest unplanned expenses a family faces. The right cover helps ensure a hospital bill does not become a financial setback.
01
What it is
Health insurance pays for eligible medical expenses, such as hospitalisation, surgery and related care, in exchange for an annual premium.
Policies can cover an individual, or a whole family under a single shared sum insured (a family floater). Many people also hold top-up or super top-up plans to extend their cover cost-effectively.
Every policy has its own terms: what is covered, what is excluded, waiting periods, room rent limits and co-payments. Understanding these matters as much as the sum insured.
- Sum insured
- The maximum amount the insurer will pay in a policy year, subject to the policy terms.
- Family floater
- One policy with a shared sum insured that covers multiple family members.
- Top-up / super top-up
- Additional cover that applies once claims exceed a set threshold. Often a cost-effective way to increase protection.
- Waiting period
- A period after purchase during which certain conditions or pre-existing illnesses are not covered.
- Cashless claims
- Treatment at a network hospital where the insurer settles the bill directly, subject to approval.
- Co-payment
- A share of each claim that you pay yourself, as specified in the policy.
02
Who it may be suitable for
- Individuals and families without their own health cover
- Employees who rely only on employer group cover
- People who want to cover parents or senior family members
- Anyone whose existing cover may no longer reflect current medical costs
Suitability depends on your individual circumstances. This list is general, not a recommendation.
03
How it works
- 01
Understand needs
Who needs cover, where you live, existing policies and any health considerations.
- 02
Compare options
We help you understand the features and terms of relevant plans from the insurers we work with.
- 03
Apply
You complete the proposal with full and accurate disclosure. The insurer decides on acceptance and premium.
- 04
Stay supported
Help with renewals, policy changes and guidance on the claim process.
04
What we help with
- Working out an appropriate level of cover for your family
- Explaining policy terms, exclusions and waiting periods in plain language
- Reviewing existing and employer-provided cover for gaps
- Renewals, portability and adding family members
- Guidance and documentation support during claims
05
Key considerations
- Acceptance, premiums and terms are decided by the insurer based on its underwriting guidelines.
- Accurate disclosure of health history is essential. Non-disclosure can affect claims.
- Read the policy wording for exclusions, sub-limits, room rent limits and co-payments.
- Employer cover usually ends when you leave the job, so it may not be sufficient on its own.
- Claim settlement is determined by the insurer under the policy terms.
06
Frequently asked questions
How much health insurance do I need?
It depends on your city, family size, ages, the type of hospitals you would prefer and existing cover. Medical costs in large cities tend to be higher. Our health insurance calculator gives an educational starting range, and we can talk through specifics with you.
Can I cover my parents?
Yes. Parents can be covered under a family floater or, often more suitably, under a separate policy so that their claims do not reduce the cover available to the rest of the family. Premiums and acceptance for senior citizens depend on age and health and are decided by the insurer.
What is a waiting period?
A waiting period is the time after a policy starts during which certain claims are not payable. Most policies have an initial waiting period for illnesses, plus longer waiting periods for pre-existing diseases and specific conditions. The exact durations are set out in each policy's wording.
What is a room rent limit?
Some policies cap the room rent they will pay per day, either as a fixed amount or a percentage of the sum insured. If you choose a more expensive room, other related charges may be reduced proportionately. Understanding this before you buy can avoid surprises at claim time.
Is my employer's group cover enough?
Employer cover is valuable, but it is usually tied to your job and may be modest relative to current hospital costs. Many people hold a personal policy as well, so they remain covered between jobs and into retirement.
Talk to us about Health Insurance.
A relaxed, no-obligation discussion about where you are and where you’d like to be. Bring your questions. We’ll bring clarity.