Why this exists
A single hospital admission can cost more than most households keep available. Without cover, that bill arrives at the worst possible moment and competes with rent, fees and everything else.
What it covers
- Consultations, tests and prescribed medication
- Hospital admission and surgery
- Emergency treatment
- Maternity, subject to a waiting period on most plans
- Cashless treatment at hospitals on your provider list
What it does not
- Pre-existing conditions, usually for a defined initial period
- Cosmetic treatment
- Treatment outside the provider network, on most plans
- Benefits used before their waiting period has expired
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Families who would otherwise fund treatment from savings
- Employers arranging staff cover, where it is far cheaper per person
- Anyone with dependants and no employer scheme
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.