Health insurance
Understand how health insurance works, what policy terms deserve your attention, and how to prepare for a meaningful conversation about cover for yourself or your family.
Read the guideInsurance / Understand before you compare
Insurance is a promise written in policy language. Learn how to read it.
Explore the main types of insurance, the questions that affect coverage, and the terms that can matter when you need to make a claim.
Coverage is more than a premium.Read the limits, exclusions, waiting periods and claim process.
Insurance product guides
Each guide explains the product and includes a contextual enquiry where relevant.
Term life insurance
Understand term life insurance, how cover amounts and policy duration work, and what to review before requesting an illustration or speaking with a provider.
Read the guideLife insurance
Explore broad types of life insurance, trade-offs between protection and savings-linked products, and questions to ask before a long-term commitment.
Read the guideCar insurance
Learn how third-party, own-damage and comprehensive motor insurance differ, what IDV and deductibles mean, and how to prepare for a renewal or new policy.
Read the guideTwo-wheeler insurance
Explore cover for motorcycles and scooters, including liability, own-damage, IDV, add-ons, renewal and claims.
Read the guideCommercial vehicle insurance
Understand commercial motor cover for goods carriers, passenger vehicles, taxis and fleets. Requirements depend on vehicle class, permitted use and operations.
Read the guideBusiness insurance
A business may face property, liability, employee, cyber, transit and interruption risks. Identify exposures worth discussing with a qualified insurance professional.
Read the guidePersonal accident insurance
Personal accident policies may provide defined benefits for accidental death or specified disability. They are not a substitute for health or life insurance in every situation.
Read the guideHospicash / hospital cash benefit
Hospital cash products may pay a specified daily benefit for eligible hospitalisation. Understand qualifying admission, waiting periods, benefit limits and exclusions.
Read the guideFive things worth checking on every insurance product
- Who and what is insured, and against which events?
- What limits, sub-limits, deductibles or co-payments apply?
- Which waiting periods, exclusions or conditions apply?
- What documents and steps are required for a claim?
- Who handles servicing, complaints and renewal?