Medical / Health Insurance
What is Medical / Health Insurance?
Medical or Health Insurance provides coverage for a range of medical expenses, including surgical and non-surgical treatments, diagnostic tests (such as MRI, CT scans, X-rays, and ultrasounds), specialist consultations, and more. This type of insurance ensures that you receive timely medical care without the financial strain, offering peace of mind for you and your family.
At Silverstone Financial, we help you select the right health insurance plan tailored to your unique needs and guide you through the entire process, from finding the best coverage to filing claims.
Why Do I Need Medical / Health Insurance?
Quicker Access
to Care
Private health insurance helps you avoid long waiting times for non-urgent treatments.
Choice of Healthcare Providers
You can choose your specialist or healthcare provider, giving you more control over your treatment.
Coverage Beyond Public System
Covers private treatments, medications, and procedures that may not be fully covered by the public health system.
Comprehensive Protection
It can cover both subsidized and non-subsidized medications, ensuring you receive the treatment you need when you need it.
Additional Benefits of Medical / Health Insurance
Many life insurance policies offer built-in benefits at no extra cost, including:
- Preventative Care
Coverage for regular check-ups, screenings, and preventive treatments to keep you healthy.
- Mental Health Services
Access to mental health care and counseling, which may not be fully covered by public systems.
- Family Coverage
Many policies allow you to cover your family members, ensuring everyone has access to necessary healthcare.
- Cancer Care
Specialized treatment for conditions like cancer, including private consultations and advanced treatments not always available in the public system.
- Worldwide Coverage
Some policies offer international coverage, making it easier to access treatment abroad if needed.
How Much Can You Claim?
- Varies by Policy
The amount you can claim depends on the terms of your insurance policy.
- Excess Costs
If your policy includes an excess, you’ll pay that amount upfront, and the insurer covers the rest.
- Zero Excess
Some policies offer no excess, meaning there’s no upfront cost for you.
- Coverage Limits
Some treatments, like cancer care, may have specific coverage limits.
How to Make a Claim?
- Obtain a Referral
Visit your GP to discuss your medical concerns.
- Get a Quote
Contact your chosen specialist or diagnostic center to obtain an estimate for the recommended treatment.
- Submit the Estimate
Send the quote to Silverstone Financial Services or your insurance provider for the approval.
- Receive Treatment
Once approved, proceed with the treatment.
- Claim Settlement
The insurer will pay the agreed amount directly to the healthcare provider, minus any applicable excess.
Why Choose Silverstone Financial for Medical/Health Insurance?
We help you stay ahead of medical costs with tailored insurance solutions designed for every stage of life.
In-Depth Needs Assessment
We analyse your health, budget, and future plans to recommend the most relevant coverage.
Access to Private Healthcare
Get support in securing cover that enables faster treatment and specialist care when you need it.
Flexible Plans
for Families
Whether you’re single, married, or raising kids — we find policies that evolve with your needs.
Annual Reviews,
Lifetime Support
Your health may change — your cover should too. We’re here year after year to review and adjust.