Whether you’re new to health insurance or looking to switch, we offer personalised health insurance quotes, expert advice & whole-of-market comparison.
Secure yourself, your loved ones, or your business by choosing the right health insurance coverage. We offer complimentary, unbiased advice to help you navigate and select a health insurance policy tailored to your specific requirements. With access to the entire health insurance market, we can evaluate all leading providers to find the optimal health coverage that fits both your needs and budget.
Private health insurance helps cover the costs of your personal healthcare. With an individual private health insurance plan, you are safeguarded against substantial medical expenses, as the insurance provider will handle your bills either partially or entirely when you file a valid claim.
When selecting health insurance, you choose a plan that meets your specific needs and commit to paying a designated premium each month or year. In return, you gain access to private healthcare services whenever you require medical treatment.
Health insurance is intended to cover the expenses of private medical treatments for unexpected, acute, and short-term illnesses that can be cured. It generally does not cover pre-existing conditions or the regular upkeep and supervision of chronic diseases.
Private health insurance may provide coverage for inpatient stays, outpatient procedures, or day-patient treatments. Additionally, most insurers offer the flexibility to adjust your coverage levels to suit your preferences. You can typically enhance your policy by adding extra benefits such as dental and vision care, physiotherapy, mental health services, and alternative therapies.
Absolutely, many families opt for health insurance plans that provide coverage for all members. A family health insurance policy can help you protect your loved ones and manage your financial responsibilities effectively.
Absolutely, it's advisable to obtain health insurance sooner rather than later in life. Securing coverage at an earlier stage—even if you're over 50—enhances the likelihood that any new medical conditions developing after your policy starts will be covered, provided they are not related to pre-existing health issues.
You have the ability to change your health insurance policy or provider, and the transition is typically straightforward and hassle-free. People may choose to switch their health insurance for a variety of reasons, such as rising premiums, poor customer service, or insufficient coverage.
Even if you are satisfied with your current health insurance, it's beneficial to regularly evaluate your policy. There might be more advantageous plans available that could offer better coverage and help you save money.
Although health insurance generally excludes coverage for chronic illnesses, cancer is often treated differently by insurers. Many health insurance companies include cancer coverage either as a fundamental part of their plans or as an optional add-on. The extent of cancer coverage can vary between providers, ranging from diagnostic tests and surgeries to aftercare services. If having cancer coverage is a priority for you, we will ensure that your policy includes the necessary protection to meet your needs.
In a small business, each employee plays a vital role—when one or more team members are absent due to illness, it can disrupt the workload and reduce productivity. Having a private health insurance plan offers peace of mind by ensuring that your employees receive prompt medical attention when needed.
Corporate health insurance is among the most valued employee benefits in large organizations and corporations. Stay competitive and effectively attract and retain talented employees by providing corporate private medical insurance.
The level of cover you choose will determine what limits are applied to your policy, and these can vary depending on your plan and provider. Some of the general exclusions that most policies have, include:
Pre-existing medical conditions
Chronic illnesses
A&E treatment
Cosmetic surgery
Injuries related to high-risk activities including and not limited to your area of business (e.g. construction worker)
Private health insurance provides more rapid and convenient access to private healthcare, allowing individuals to receive treatment sooner. Additionally, it helps employers reduce costs related to sick leave and supports the retention and attraction of valuable staff members.
With the multitude of options on the market, selecting and comparing the right health insurance for your business can be overwhelming and time-consuming. To make sure you choose the most suitable plan, a specialized health insurance broker can assist in finding the best deals. At Fred Black, we offer solutions tailored to any type of business client, from small enterprises to large corporate groups, and provide clear, expert advice to guide you.
Certainly! If you prefer to provide coverage for only specific employees, such as managers or directors, we can identify a plan that aligns with your requirements. Many business health insurance providers offer flexibility, allowing you to set eligibility criteria based on factors like length of service, seniority level, or other conditions before an employee is included in the company plan.
Whether you’re searching for your initial international health plan or looking to make a switch, our advisors are here to help you find the perfect international health insurance solution for yourself, your family, or your business.
International private medical insurance policies generally provide more extensive coverage compared to standard national health plans. While some countries offer free healthcare to their residents through public systems, private medical insurance in these regions is intended to complement and enhance the existing public healthcare services.
However, many countries do not have free healthcare systems. For expatriates needing medical care abroad, international medical insurance is essential as it covers a wide range of healthcare expenses, including:
International medical insurance provides the assurance that you are covered if you require treatment while abroad, and it can accommodate a wide range of expatriate lifestyles, including:
Moving for work presents an exciting opportunity. Whether you're residing and working in a different country or multiple countries, traveling alone or with family, having seamless international coverage ensures you receive comprehensive medical protection wherever you go.
If your employees frequently travel internationally for work or are based abroad while working for your organization, international business health insurance can provide essential healthcare and support for them and their families, fully covered by the insurer.
You might own a vacation home in another country and spend part of the year living there, returning to your primary residence for several months to reconnect with family and friends. International health coverage ensures that you are protected no matter where you consider home.
Embarking on studies abroad should be a rewarding experience without the stress of managing medical treatments in a foreign country. With international private medical insurance, you receive access to medical care and coverage for your healthcare expenses while studying overseas.
While international health insurance and travel insurance might seem alike, there are significant differences between the two that can make travel insurance unsuitable for those residing abroad. Travel insurance generally covers medical emergencies, accidents, and lost or stolen belongings during trips, whereas international health insurance provides coverage for a wider array of healthcare needs.
The geographical coverage of your international policy is determined by the specific plan you choose and the insurance provider you select. Many policies allow you to designate a particular country where you will spend most of your time, or you can choose a broader region such as Europe or opt for worldwide coverage.
Generally, international health insurance plans offer more extensive coverage compared to standard domestic policies. However, exclusions may still apply based on your specific coverage and the insurance provider. Common exclusions include:
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