Health & Life insurance

What health insurance covers

Voluntary health insurance gives access to medical services — outpatient and hospital care, examinations, tests, and with broader packages dental care or reimbursement of medicine costs. The exact scope depends on the chosen plan.

Individual and family plans

Plans can be for one person, the whole family, or a company's employees. Family and group plans often offer a better price-to-cover ratio.

Life insurance — when it makes sense

Life insurance provides financial protection for your loved ones in the event of a covered event and may include a savings or risk element. It is suitable if you have a loan, children or dependants.

How the premium is determined

• age and health status;
• chosen cover and sum insured;
• policy term and additional risks.

Why use a broker

As a broker we compare plans from different companies and explain what each really includes, so you choose by your family's or company's needs and budget.

FAQ

How is health insurance different from the public system?
Voluntary health insurance complements compulsory health coverage with faster access and additional services.

Are there family plans?
Yes — send a request and we will compare individual and family options.

This information is general and for information purposes only. It is not individual advice and does not replace the insurer's General Terms. Cover, exclusions and prices are set by the specific insurer and applicable law. DENMAR BROKERS Ltd is a licensed insurance broker.