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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:
What happens after two years
If you’ve been trouble free for at least two continuous years, starting from the date you joined us, we’ll then be able to consider any claims for pre-existing conditions, in line with the benefits of your plan.
James joined us a year ago and has been experiencing some sight problems over the last six months. He went to see his optician and at the appointment they noticed a cataract forming in his eye, which will need to be treated.
James joined before he began to suffer with any signs or symptoms and he doesn’t suffer with diabetes, so we won’t exclude cataracts as a specified condition. This means we can cover James’ claim.
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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