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Health and life insurance

Health insurance covers your medical and surgical costs. It either reimburses you for treatment of an illness or injury, or pays the hospital or doctor directly, so you can get the care you need without carrying the full cost.

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You pay a premium each year and, depending on the plan, cover can extend to prescriptions, doctor visits and preventive care.

What we can cover for you

What it can cover

In-network care
Hospitals and doctors that have agreed rates with the insurer. Care here usually costs you less.
Out-of-network care
Providers with no agreement with the insurer. Care here often means higher out-of-pocket costs, so knowing your plan's network matters.

This is a brief overview. Every policy has its own terms, limits and exclusions: we send you the full policy wording with your quote, and one of our brokers can walk you through it.

Other insurance

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