Products + Services

Individuals and Families

Health Insurance

Private Health Insurance, private health cover or Private Medical Insurance provides you access to private treatment when you need it, often in the hospital of your choice.
It is designed to pay for the treatment of acute illnesses and injuries. These are the illnesses that are most likely to respond to treatment quickly and positively.
You can choose a private health insurance plan to suit your budget - the more you invest, the more treatments your policy is likely to cover and pay for. Read more.

Health Cash Plan

Visits to the dentist, optician and other practitioners can be extremely costly. Health Cash Plans are designed to provide a cash amount available to help. These can generally be added to Health Insurance. Some providers will provide this option as a "stand alone" product. To get a quote within 48 hours, click here.

Critical Illness Cover

Did you know that statistically you are four times more likely to suffer from a critical illness before you reach 60 than to die?

So why do far more people insure their life than take critical illness cover?

Consider how your family would be protected should you suffer from a critical illness. At a time when your health is poor, do you want additional worries?

• Could you pay the mortgage?
• Could you keep the same standard of living?
• Could you finance any special needs?

Critical Illness cover is designed to pay out a (tax-free) lump sum in the event of you suffering from certain types of serious illness or if you have to undergo certain types of surgery. Read more

Life Cover

Did you know that most people are probably under-insured?

Would your life cover just pay off the mortgage, or would it provide enough extra for your family to maintain their lifestyle?

Level term life assurance guarantees , a lump sum payout upon death within a fixed term as you only get a payout within the set 'term' Read more

Life and Critical Illness Cover

Some policies will offer critical illness combined with life insurance. Care needs to be taken, as the majority of policies are written so they pay out on first event This means that once the policy has paid out cover will no longer be available - for example if the policy pays out for a critical illness then there will be no life cover remaining. However, policies can be written on different life and event options. We would be able to advise which was most appropriate for your cicumstances.

If you do decide on one of these "bundled policies" make sure it covers both your critical illness and life insurance needs. Even though it may prove slightly more expensive, it may be worth considering separate policies for these different types of cover.

Income Protection Insurance

Is your income protected if you were incapacitated or unable to work due to illness?

How would you pay your bills?

Income Protection or Permanent Health Insurance is designed to pay you a regular tax free monthly income if you are incapacitated and unable to work due to illness or injury. Read more.

Family Income Benefit

Would you want an income to continue to be paid to family if you died?

What would they receive if that happened tomorrow?

Family Income Benefit is similar to life assurance in that it pays out on death but instead of a lump sum payout, it is designed to provide a tax-free monthly income for your dependants, from the time of the claim to the end of the plan term

Family income benefit is particularly attractive to those who like to know they have a regular monthly income and would rather not have to worry about complex investment decisions to make the most of a lump sum payout. For a FREE quote click here