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 online account. |
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.
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Outpatient cover and limits
What’s covered for outpatient treatment, and how outpatient limits and specialist consultation limits work.
Download guide
Pre-existing conditions
How we handle conditions you already have when you join.
Download guideWatch video
What’s covered – the basics
A quick guide to what we do and don’t cover on your plan.
Download guide
Why we ask your doctor for information
The reasons we may sometimes need to ask your doctor for information.
Download GuideWatch video
Why prices go up
Why health insurance costs tend to rise each year, and how to control the costs.
Download guide
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.
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Are you an individual or
small-medium business member?
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This is if you pay for your own plan, or someone pays on your behalf, or if it's paid for by a small business.
(Less than 250 employees)