Medical insurance
Medical insurance, explained in plain English.
Organise your policy wording, public-healthcare questions and claim documents before you speak with a qualified insurance professional.
Start with the question
Useful questions before reviewing medical cover.
Use these prompts to prepare for a more informed conversation before policy, claim or adviser details need to be checked.
What does your current policy say?
Gather the policy schedule, renewal notice, exclusions, excess details and recent insurer correspondence before asking for help.
What changes are you considering?
Separate premium, provider, family, excess, treatment and claim questions so the next conversation can focus quickly.
What needs checking before a claim?
Keep the policy wording, medical-provider information and insurer communication together so a qualified person can review the details.
Before you compare
Questions worth sorting before reviewing cover.
Use these prompts to prepare. If the answer depends on health, budget or policy details, bring that into the qualified adviser conversation.
Am I asking about public care or private cover?
Publicly funded healthcare access is separate from private medical insurance. Start by checking which system your question belongs to before comparing policy details.
- Can I access publicly funded healthcare?
- Is the question about access, cost, timing or a private policy rule?
- What proof or documents would a healthcare provider ask for?
Sources checked 6 September 2026
What does the policy actually cover?
Use the policy document, schedule and renewal letter together. Pay close attention to exclusions, limits, stand-down periods, excesses and any pre-approval steps before treatment.
- Which treatment, specialist, test or hospital service am I asking about?
- Does the policy mention exclusions, limits or stand-down periods?
- Does the insurer require pre-approval?
Sources checked 6 September 2026
What do I keep before making a claim?
Keep insurer messages, provider notes, invoices and policy wording together. If a claim is declined, ask for the reason in writing and follow the provider complaint process if needed.
- What has the insurer asked for?
- What reason was given if the claim was declined?
- Have I kept the medical and insurer documents together?
Sources checked 6 September 2026
Request follow-up
Want help with your next step?
Share your name, topic and preferred contact method. If the answer depends on personal circumstances, a qualified insurance professional can pick it up from there.