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Health insurance

Health insurance with choice in your care.

Access to private care, with a plan shaped around your needs and your budget.

Design your coverSee how it works

More choice

What does more choice mean for your health?

  1. Depending on the plan, you can choose your doctor and specialist within the partner network, instead of being automatically referred.

  2. Access to selected private hospitals and diagnostic centres, based on your plan’s network.

  3. An annual check-up and preventive tests that help you catch things early.

  4. The excess and cover limits set how much you pay and how much the plan covers, when it matters.

The choices you have always depend on the plan you choose.

More than one hospital stay

From prevention to the moment you need care.

  1. Prevention

    • Check-up
    • Preventive tests

  2. Diagnosis

    • Diagnostic tests
    • Doctor visits

  3. Care

    • Outpatient services
    • Telemedicine

  4. Hospitalisation

    • Inpatient care
    • Surgical procedures

  5. Beyond the usual

    • A private nurse for up to 20 days
    • Uncapped emergency transport
    • An annual personalised check-up

Benefits, limits and conditions vary by plan and by the terms of the policy.

The biggest cover isn’t always the right one for you.

The right plan depends on your needs, your priorities, your existing cover and your budget.

Designing your cover

The cover adapts to you, not the other way round.

See how different choices affect the structure of a health plan. An educational tool. Not an offer, a proposal or a binding quotation.

Move the sliders and see how the balance between cover and cost changes.

Excess

How much of a claim do you want to be able to carry yourself?

LowerHigher

A smaller share in the event of hospitalisation, usually with a higher annual premium.

Cover limit

What level of available cover do you want?

BasicHigher

A basic limit covers the most common cases, usually at a lower cost.

Network

How important is breadth of choice to you?

A selected network of partner hospitals usually comes with a more competitive cost.

Outpatient care

How much cover do you want outside hospitalisation?

Basic cover for outpatient costs, such as selected doctor visits.

How we work

From the first conversation to the moment you need us.

  1. 01

    We understand

    What you actually need.

    We record your needs, your existing cover, your priorities and your budget.

  2. 02

    We design

    The right balance of cover and cost.

    Excess, limits, network and benefits are combined around your own priorities.

  3. 03

    We explain

    What is covered and what isn’t.

    Terms, waiting periods, exclusions and conditions are laid out clearly before any decision.

  4. 04

    We stay beside you

    Even after the policy is issued.

    We remain available to guide you on the benefits and the procedures of your plan.

After the policy

The policy is only the beginning.

We guide you through using the benefits, the plan’s procedures, and any changes that may be needed over the years.

The road ahead, together

  1. Choice
  2. Issue
  3. Use
  4. Support
  5. Review

From choosing your plan to its next review, we stay beside you at every stage.

FAQ

Good to know.

  • How much does health insurance cost?

    The cost depends on factors such as age, the level of cover, the excess, the network and any additional benefits. That’s why we first look at what you need, and then at which structure of cover makes sense for your budget.

  • What is the excess?

    It’s the amount of a claim you carry yourself before your plan starts covering it. A lower excess means a smaller personal contribution, usually with a higher premium, and vice versa.

  • Can I choose my doctor and hospital?

    The ability to choose depends on the plan and the network selected. We go through it together before you decide.

  • What about pre-existing conditions?

    Terms, exclusions, waiting periods or other conditions may apply, depending on the insurer’s assessment and the plan’s terms. We cannot guarantee acceptance of an application in advance.

  • I have group cover through work. Do I need an individual plan too?

    A group plan can be a valuable benefit, but it is usually tied to your employment and the terms of that particular group contract. An individual plan can offer personal continuity of cover independent of your employer, always subject to its own terms.

  • How does the premium change over the years?

    The premium can be adjusted over time, based on factors set by the specific plan and insurer, such as age and the general medical cost index.

  • Can I insure my whole family?

    Most plans offer cover options for a partner and children, on terms that vary by product. We go through these together based on your family’s make-up.

Health insurance

The cover that fits you.

Let’s design a plan that meets your needs today and can stay meaningful for years to come. A first, no-obligation conversation.

Design your cover