Health

Practical health and wellbeing guides — what the evidence supports, what it does not, and what is worth your time.

Pre-existing conditions and chronic care are the two exclusions that shape the whole policy.

Three different products with different risks, and your usage history decides which suits you.

Most optical plans reimburse less than the annual premium unless you buy premium lenses.

Declaring costs more and is the only way the policy responds when it matters.

They reimburse everyday costs up to modest limits rather than covering treatment.

A reasonable request for significant decisions, and one clinicians generally expect.

Adjustments are frequently a legal entitlement rather than a favour, and many are inexpensive.