Term Life Insurance
A fixed amount for a fixed number of years, at the lowest cost per dollar of cover.
Read more →Life & Health
Health Insurance
Major medical cover for treatment, prescriptions and the catastrophic case.
What this cover does
Health cover is the difference between a bad year and a financial catastrophe. The structure matters as much as the premium: network, deductible, out-of-pocket maximum and drug formulary decide what you actually pay when you use it.
Typically included
- Hospital, surgical and emergency treatment
- Primary and specialist care
- Prescription drugs under the plan formulary
- Preventive care, generally at no cost share
- Maternity and newborn care
- Mental health and substance-use treatment
Common add-ons
- Health savings account pairing with a high-deductible plan
- Dental and vision bundling
- Telehealth access
- Short-term and gap plans between coverage periods
- Supplemental accident and hospital indemnity
Questions
What people ask about health
What is an out-of-pocket maximum?
The ceiling on what you pay in a plan year for covered in-network care. Once reached, the plan pays everything further. It matters far more than the deductible in a serious year.
Can I keep my doctor?
Only if they are in the plan network. We check your current providers against the network before you enrol rather than after.
When can I enrol?
During open enrolment, or any time within a special enrolment window triggered by a qualifying event such as moving, marriage, a birth or losing other cover.
Often taken together
Related cover
Whole Life Insurance
Permanent cover with a guaranteed death benefit and a cash value that builds.
Read more →Quote Health Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.