Get a quote

What is private health insurance?

Private health insurance is divided into three areas: hospital, extras and ambulance cover. You can buy them separately or combine them in one policy. Your entitlements (what you can claim for) will depend on your level of cover.

Types of cover

Hospital

Hospital insurance helps to cover the cost of inpatient hospital treatment. We provide different levels of cover so you can choose a policy that matches your needs and budget. The treatments/procedures you can claim for will vary according to your level of cover.

Your excess

You'll also need to select an excess – this is the amount you agree to pay if you’re admitted to hospital for planned treatment (once per person, per calendar year). To find out more about how this works, go to Choosing an excess

Waiting periods

If you’re taking out hospital insurance for the first time, or upgrading your cover, you may need to serve waiting periods before you can claim on certain services listed on your policy. Check these carefully to understand your entitlements. 

 

Get a quote

Extras

Extras insurance can help to cover the cost of day-to-day services, such as dental, optical and physiotherapy. The services you can claim for, and the amount you can claim (your limits), will depend on your level of cover. 

Waiting periods

If you’re taking out extras insurance for the first time, or upgrading your cover, you’ll need to serve waiting periods before you can claim on certain services listed on your policy. Check these carefully to understand your entitlements. 

 

Get a quote

Ambulance

Ambulance cover is automatically included on our hospital and extras policies. If ambulance is all you want, we can do that too. The waiting period for emergency ambulance services is just one day. For pre-existing conditions it’s 12 months.