We know that health insurance can be confusing, especially if you’ve not used it before.
These guides help you with the different words you may come across, and answer some common questions about how health insurance works.
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These guides are for members who set up their own health insurance, or are part of a company scheme with fewer than 250 members. If you’re part of a large company scheme, with more than 250 members, please log in to your |
We can’t answer all questions here, and your plan may be set up differently. And not all of these guides will be
relevant to you. Please always check your own handbook.
Chronic conditions
What we mean by chronic conditions, and what’s covered.
Outpatient cover and limits
What’s covered for outpatient treatment, and how outpatient limits and specialist consultation limits work.
Pre-existing conditions
How we handle conditions you already have when you join.
What’s covered – the basics
A quick guide to what we do and don’t cover on your plan.
Why we ask your doctor for information
The reasons we may sometimes need to ask your doctor for information.
Why prices go up
Why health insurance costs tend to rise each year, and how to control the costs.
You can find more about what you’re covered for and how your membership works in your membership documents, which you can see in your online account.
Live chat with an agent
Monday to Friday 8am – 8pm
and Saturday 9am – 5pm
Chat online with one of our agents using the live chat to the bottom-right of your screen