Coverage Options
Build a coverage plan, not a pile of policies.
Start with strong major medical cover, then add only the layers your life actually calls for. Every option has a reason to be there — or it doesn’t belong.
Start here
Major medical is the foundation.
It protects against the costs that are hardest to recover from: hospital stays, surgery, ongoing treatment and serious illness. Everything else is built on top of it, never instead of it.
What major medical covers- Core medical plan
- 1Always first
- Optional layers
- 4Added by need
- Bundled extras
- 0By default
The coverage map
Layers that add support where it’s needed.
Each optional layer answers a specific need that medical insurance does not. If the need isn’t part of your life, the layer isn’t part of your plan.
Dental & vision
Routine, frequent care with predictable costs.
Accident
A cash benefit after a covered injury.
Critical illness
A lump sum after a covered diagnosis.
- Critical illnessA lump sum after a covered diagnosisOptional
- AccidentCash support after a covered injuryOptional
- VisionExams, lenses and framesOptional
- DentalPreventive care and restorationsOptional
- Major medicalDoctors, hospitals, prescriptions, preventive careYour core
Coverage builder
See the whole plan as you build it.
The health plan stays at the core while optional cover switches on and off, with the monthly estimate updating beside it.
Life changes
Different moments, different layers.
Coverage needs move with life. Choose a moment to see what usually deserves a closer look.
When your household grows
Paediatric visits, vaccinations and dental care for children become regular parts of the year. Look for networks that include family doctors and consider dental cover early.
When you work for yourself
Without an employer plan, you choose and fund your own cover. A predictable core plan plus a clear budget matters more than ever.
When you move or travel
Networks are local. A move can change which doctors are in network and which plans are available — review cover before the move, not after.
When your health changes
Specialists, prescriptions and treatment plans make deductible and out-of-pocket limits more important than the monthly premium.
When work winds down
Leaving employer cover before other benefits begin can create a gap. Plan the bridge and the long-term cover together.
Your next step
Explore my options.
Tell us what is changing and see which layers might belong in your plan.