HSJ helps clients understand their healthcare requirements, explore appropriate medical insurance options and understand benefits, limits, waiting periods, exclusions and other important policy conditions.
We guide individuals, families and organisations through the medical insurance selection and support journey. The appropriate solution depends on the client's needs and the terms of the selected product.
Discuss Medical CoverHospitalisation-related benefits according to the selected plan.
Outpatient treatment and related services where included.
Maternity benefits where provided under the selected product.
Dental treatment benefits where included.
Optical benefits where included under the plan.
Specialist treatment and referral-related benefits where included.
Diagnostic services according to the selected plan.
Emergency treatment benefits where provided.
Medical arrangements structured for eligible employees and groups.
We establish who requires cover, the benefits required, relevant circumstances and available budget before discussing suitable market options. We then explain the applicable policy terms before enrolment.
Who needs cover and what protection is required.
Consider circumstances, benefits and budget.
Identify appropriate options.
Explain benefits, limits and key conditions.
Support documentation and enrolment.
Assist with servicing and claims.
Tick the benefits that matter to you and see the questions worth asking any medical scheme.
Select one or more to see what to ask about.