Services

Five kinds of cover, one adviser who knows yours

We deliberately keep to a short list. Each product has an adviser who works with it every day, reads the wording and handles the claims.

Covers the shortfall your medical scheme does not pay in hospital.

You need an active medical scheme membership to take out gap cover.

Waiting periods and annual limits apply. The policy wording governs.

Medical, cancellation and baggage cover for trips abroad and at home.

Cover must be taken out before you depart.

Pre-existing conditions and high-risk activities may be excluded. The policy wording governs.

Helps pay vet bills for accidents, illness and routine care.

Age limits apply at sign-up and vary by plan.

Waiting periods and pre-existing condition exclusions apply. The policy wording governs.

Independent advice on which scheme and plan actually suits you.

Open to individuals, families and employer groups.

Scheme rules, waiting periods and late-joiner penalties apply.

A valid will drafted properly, and help when an estate is wound up.

Anyone over 16 may make a will.

Executor fees and estate costs are set by law and explained before you sign.

Not sure which cover you need?

Tell us your situation in under a minute. A named adviser calls you back, compares your options in writing, and you decide.

We call you back within one working day. We only use your details to contact you about your enquiry.