A medical policy pays for treatment inside an agreed network of hospitals, clinics and pharmacies, either billed directly to the provider or reimbursed after you pay.
- Inpatient admission, surgery, diagnostics and consultations up to the annual limit
- Outpatient benefit, medication and laboratory work, usually with a small co-payment per visit
- Maternity, dental and optical are separate benefits with their own waiting periods and sub-limits
- Network class decides which hospitals you can use, and is the main driver of premium
- Pre-existing and chronic conditions are excluded during the waiting period and covered afterwards only if declared
Read the sub-limits before the headline annual limit, because that is where most disputes start. We place the cover and take up rejected or short-paid claims with the insurer on your behalf.
From enquiry to cover
We map the risk
A short conversation about what you do and what you own, so the cover matches reality.
We go to the market
We compare wording and limits across insurers, not the premium alone.
You choose, we place
We explain the differences in plain terms, then place the policy you pick.
We run the claim
If something happens, the file is ours to follow through to settlement.
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