There are independent advisers around in this area - when choosing one, check they have professional liability cover and are genuine independent advisers and not Tied Agents or simply direct sales people on commission from one insurer.

There are many sound professional advisers who will offer best advice. Find one who knows about the track record of insurance companies for claims, service and premium increases over time.

If you take or seek advice from a broker or healthcare insurance advisor, ask if they have professional liability cover and are genuine independent advisors and not tied agents or simply direct sales people on commission from one insurer. There are many sound professional advisors who will offer best advice. These brokers usually have agencies with several insurance product providers and can offer you a wide range of different benefits and premium structures.

Generally it is better to ignore brand name and product title and to concentrate on companies' track record for claims, service and premium increases over time. It is always in your interest to read the documentation carefully as there can be little worse than becoming ill, then finding that the cover you thought you had, is invalid.