Understand your protection needs before looking at a policy. Use these planning tools to estimate a starting cover range, then compare policy terms, exclusions, waiting periods and insurer conditions.
Estimate a starting cover discussion amount using income, dependants, liabilities and goals.
Open tool →FREE PLANNERBuild a simple starting-point health cover estimate based on family size, location and healthcare budget.
Open tool →FREE PLANNEREstimate a planning range for term cover without pretending to predict an insurer's premium.
Open tool →Income, dependants and liabilities.
Coverage, exclusions and limits.
Especially important for health insurance.
Understand documentation and conditions.
Premium is not the only decision factor.
Use official policy documents before buying.