Before you buy
- Need: What risk am I trying to cover, and who depends on it?
- Coverage: What exactly is covered, and up to what limit?
- Exclusions: What is not covered?
- Waiting periods: When do benefits begin?
- Cost sharing: Are there deductibles, co-payments or sub-limits?
- Disclosure: Have I provided complete and accurate information?
- Claims: What is the process and what documents are required?
- Renewal: How does renewal work, and for how long?
After you buy
Keep policy documents safely, share relevant details with family, update nominees and review cover when your life circumstances change.
Start with our Insurance overview.
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