1 · Agree the service
Confirm the adviser’s scope, any fees and data-handling terms. Ask for the approved document channel before sharing a schedule, medical report or policy identifier.
Policy review
Already have cover? Request an adviser-led review.
Compare what the current contract actually says about benefits, exclusions and your share of costs. No automated scan, instant matching or confidential file-upload service is available on this page.
Upload is not available
No file selection or upload is offered. Do not send confidential policy documents or medical reports through a dead form or a general WhatsApp conversation. First ask the adviser to confirm an approved secure review channel and applicable data-handling terms.
A review with clear boundaries
2 · Read the right documents
Use current wording, the benefit table and accepted schedule. A brochure or older quotation cannot establish the benefits or medical acceptance of your current policy.
3 · Clarify gaps in writing
Ask about room category, outpatient, cost sharing, geography, waiting periods and renewal. The issuing insurer must confirm ambiguous benefits and medical terms.
4 · Protect continuity
Compare alternatives only on matched, accepted terms. There is no guaranteed saving or better replacement; do not cancel current insurance before a new start date and medical acceptance are confirmed.
What to prepare
- Current policy wording, benefit table and schedule version.
- Renewal date, geographic area, deductible and selected modules.
- The questions you want clarified: outpatient caps, room limits, authorization or medical exclusions.
- A matched comparison profile and current quotation documents, if you want to explore alternatives.
How a document-led review should work
First confirm the service, any fees and the approved document channel. An adviser can then identify benefits and questions requiring insurer clarification, compare available options on the same basis and explain limitations. Medical acceptance and claim decisions remain with the insurer; neither savings nor a better replacement is guaranteed.
Start with the actual policy documents.
Ask about an adviser-led review of my existing policy and an approved secure document channel, current wording and the appropriate next steps. No medical records in the initial message.