This website has been established by the Private Health Insurance Ombudsman (PHIO) for the purpose of allowing consumers to access standard product information for their health insurance product and compare it with other products offered by their own and other health insurers.

Nothing on this website (whether static or dynamically generated) constitutes a quote or a pre-qualification for cover.

General disclaimer

The materials on this website have been prepared for general information purposes only, and may not take detail into account that could be significant in your particular context, or to particular persons. You should also note that changes in policy and law, changes in your circumstances and other changes or future events may also affect the applicability and relevance of the information.

While PHIO endeavours to ensure the accuracy of the information set out on this website, the information may not be accurate, complete or up to date, for a wide range of reasons.

You should not make any decision or take any action, based on the information in this web site, or otherwise rely on it for any purpose.
PHIO recommends that you obtain full information on health insurance products directly from their providers. Before making any decision or taking any action you should carefully analyse this information and ensure the health insurance provider has fully answered any questions you may have.

PHIO disclaims, to the extent permitted by law, all and any representations and warranties, expressed or implied, of any kind in respect of the content of this website or any related matter and shall not be liable for any loss or damage whatsoever (including loss or damage caused by human, technical or processing error or malfunction, or negligence of any kind, or loss or damage that is incidental or consequential) arising out of or in connection with any use of or reliance on the content of this website.

You accept all risks and responsibility for losses, damages, costs and other consequences resulting directly or indirectly from using this website or any other website on the Internet and in relation to any information or material available from those sites.

References to health insurers and health service providers

Where this website incorporates a reference to, or logo of, any health insurer or health service provider, this does not mean that PHIO endorses, recommends or gives any warranty or makes any representation in relation to that provider or to any product offered by the provider.

External links

One of the services that this site provides is access to other sites on the Internet via hyperlinks. While PHIO has reviewed the linked sites prior to inclusion of the link, PHIO has no control over, and is not responsible for, the accuracy, legality, suitability or any other matter related to the linked sites and the information they contain.

Availability and viruses

To the extent possible, PHIO makes efforts to achieve reasonably uninterrupted operation of this website during its normal hours of operation, to maintain security, to defend against viruses and denial of service attacks. However these risks cannot be completely eliminated.

From time to time operation of the website may be interrupted by scheduled maintenance, system upgrade, or to counter potential security threats. PHIO gives no warranty whatever regarding the availability of this website. To the maximum extent permitted by law, PHIO disclaims all liability in respect of loss or damage incurred by you resulting from loss of service, malfunction or failure, the introduction of any viruses or any other cause connected with your use of the system.