Complementary and Private Health Insurance

Private Health Insurance

Provides broad private healthcare protection based on network, limits, co-payments and selected benefits.

What does this insurance focus on?

Provides broad private healthcare protection based on network, limits, co-payments and selected benefits. Terms, limits, deductibles and exclusions vary by insurer; the quotation should therefore be assessed as a whole.

Core insured risks and policy limits
Optional extensions tailored to the risk
Deductible, exclusions and service comparison
Broker support during quotation and claims

Who is it suitable for?

  • Individuals or businesses seeking this specific protection
  • Clients who want to compare insurer terms

What should be compared?

Compare insured values, benefit limits, deductibles, exclusions, service network, assistance benefits, claims process and renewal terms together. Temin Insurance presents the meaningful differences between insurer offers.

Pre-purchase checklist

Review these points when assessing a quotation

  • Confirm social security eligibility for complementary health cover.
  • Review hospitals and physicians available in your city.
  • Compare outpatient visit limits, copayments and waiting periods.
  • Read exclusions, loadings and terms for existing conditions.
  • Ask about the requirements for long-term renewal rights.

Information for your quotation

Information that describes your risk accurately

Identity detailsDate of birthCity of residenceSocial security statusHealth declarationPrevious policyPreferred hospitalsFamily members

This is a general preparation list. The insurer may request additional information or documents depending on the risk.

Frequently asked questions

What to know about Private Health Insurance

Complementary health works with the social security and contracted provider structure; private health may offer different networks and limits.

They may be excluded, loaded or result in a declined application.

Waiting periods may apply to certain conditions, operations or benefits.