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Cancer cover is the clause worth reading first
Oncology is the benefit most likely to be tested and the one most often restricted quietly, from drug lists to post-treatment…
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What health policies include, exclude and make you wait for.
21 articles · updated August 11, 2026 · page 2 of 2
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Moratorium underwriting settles your history at the claim, not at the sale
A moratorium policy asks almost nothing when you buy it. The questions arrive later, once you have already had the treatment.
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Switching health insurers without restarting your medical history
Moving to a cheaper health policy can quietly re-exclude everything you have been treated for. Continuity underwriting is the…
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Maternity is the gap almost every health policy keeps open
Private medical cover is built around sudden and unforeseen events. A planned pregnancy is neither, and the wording says so.
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The deferred-treatment option: cover that waits for the public queue
Some health policies pay only if the state system cannot treat you promptly. The discount is real and so is the catch.
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Therapy limits are counted in sessions before they are counted in results
Physiotherapy and similar treatments are capped by number, by money and by referral. All three caps can stop a course halfway…
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Specialist fee schedules and the shortfall nobody budgets for
Insurers pay consultants against their own price list. When the consultant charges more, the difference becomes a bill addressed to…
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Diagnosis and treatment are two different promises in a health policy
Many policies pay generously once a condition is named and very little while it is being identified. The gap sits exactly where you…
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Area of cover is the map your health policy pays inside
International medical plans are priced by geography. The zone on your certificate decides whether treatment abroad is covered or…