Start with the coverage need
Consider who needs cover, likely healthcare costs, existing protection, location and how much out-of-pocket expense your household could reasonably absorb.
Read policy limits
Look for room and ICU limits, treatment sub-limits, co-payments, deductibles, waiting periods, exclusions and eligible hospitals.
Understand cashless and reimbursement
Cashless treatment is subject to eligibility, network and authorisation. Reimbursement claims may require payment first and submission of documents.
Disclose information accurately
Answer proposal questions honestly and fully. Ask the insurer or authorised intermediary how to disclose existing conditions.
Keep documents together
Keep the policy schedule, customer information sheet, receipts, medical documents and claim communication accessible.
This is general information. Check current official documents and provider terms before making a financial decision. It is not personalised financial, legal, tax or investment advice.
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