Your cover
1. What is the exact name of the policy? 2. Are diagnosis, treatment and follow-up all included? 3. What exclusions would apply to me?
Your access
4. Which hospitals and consultants could I use? 5. Do I need a referral or pre-authorisation for each stage of treatment?
Your cost
6. What is the full annual premium and how does the excess work? 7. Which benefits have separate limits, and what might I have to pay myself?
Your next year
8. What can change at renewal, and what happens if I want to switch? Save the written answers with the policy schedule. Do not rely on a comparison headline to answer a question specific to your medical history.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
Prepared from the linked sources. Not a personal recommendation or a claims-tested review. Confirm current terms with an insurer or authorised broker.