Medical Cover
Medical bills are hard to predict. We help you compare medical schemes, understand limits and exclusions, and choose cover for yourself, your family or your employees.
What’s covered
Medical Cover options
- Inpatient (hospital) cover
- Outpatient consultations, tests and medication
- Maternity cover
- Dental and optical benefits
- Chronic condition management
- Corporate and group medical schemes for employers
Exact cover, limits and exclusions depend on the insurer and policy. We explain these before you decide.
Who it’s for
- Individuals and families
- Self-employed people who need their own cover
- Employers who want to offer staff a medical benefit
- Families arranging cover for older relatives
How we help
More than a quote
We compare schemes
We set out benefits, limits and premiums from different insurers in one clear comparison.
We explain the small print
Waiting periods, sub-limits and exclusions are explained before you commit, not after.
We manage membership
Adding a dependant, changing a plan or updating details is handled through us.
We help with claims
If a claim is queried or delayed, we follow it up with the insurer on your behalf.
Questions
Common questions
Are there waiting periods or exclusions?
Many medical policies apply waiting periods for some benefits and may exclude or limit pre-existing conditions. The terms vary by insurer, and we go through them with you before you decide.
Can I add family members later?
Most insurers allow dependants to be added, often at specific times such as a birth, a marriage or renewal. We will check the rules of the scheme you choose.
How is group cover different from individual cover?
Group cover insures a company’s employees under one policy, which can be simpler to run and sometimes better value per person. Individual cover is tailored to one person or one family.