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We offer competitive health plans that cover a variety of options, ranging from help with everyday costs to more comprehensive private health insurance.
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We can provide healthcare cover from one to 249 employees, supporting you and your team back to health and work as quickly as possible.
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A moratorium is the period of time when we can’t cover any condition you had before you joined us.
This means that in the first two years of your membership, we won’t cover pre-existing conditions including:
After two continuous years
Pre-existing conditions will be covered after two years continuous cover, within the rules and benefits of your plan.
Ben suffers with a back problem, has been on his company health plan for three years and calls to make a claim. Even though the condition is pre-existing, the flat two year moratorium period has now expired and Ben’s claim is covered in line with the rules and benefits of the plan.
is any disease, illness or injury that:
Trouble-free means that you have not done any of the following for the
medical condition you need treatment for:
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