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Health Insurance

Top-up health cover for you and your dependents.

Private hospital cover, dental, vision and overseas treatment options . complementing your basic AZV cover.

First calculation is provisional. Final premium confirmed after document review.
A short explainer covers what the insurance solves, what documents to prepare, and how the review works.
What's covered

At a glance: Health Insurance

What it covers
  • Private hospital rooms and specialist consultations
  • Dental and vision (optional tier)
  • Overseas emergency and planned treatment
  • Maternity and newborn care
  • Mental health support
Who it's for
  • Individuals seeking faster access to specialists
  • Families wanting private hospital rooms
  • Expats with international healthcare needs
  • Self-employed without employer cover
When it helps

Typical situations where this product helps

Specialist appointment without long waits

Direct access to the network of specialists, with copayment options.

Planned surgery abroad

Pre-authorised treatment at partner hospitals in the US, Colombia or Netherlands.

Dental emergency

Direct billing with network dentists . no upfront cost.

Maternity care

Private room, antenatal and postnatal care covered.

The fine print, made simple

What's included and what's not

Included
  • Hospital stays (private room)
  • Specialist consultations
  • Diagnostic imaging and lab tests
  • Prescribed medication
  • Emergency dental treatment
Not included
  • Cosmetic procedures
  • Fertility treatment (unless premium tier)
  • Pre-existing conditions in the waiting period
  • Experimental or unproven treatments
  • Self-inflicted injuries
Before you start

Documents required

3 required, 2 optional. PDF, JPG and PNG accepted.

  • Valid ID or passport for each person
    Required
  • Birth certificates for children
    Required
  • Recent medical questionnaire (we provide it)
    Required
  • Existing AZV coverage details
    Optional
  • Previous insurer letter (for no-waiting-period transfer)
    Optional
How it works

How the quote process works

  1. 1
    Tell us who you want to cover

    Number of people, ages, dependents.

  2. 2
    Pick a tier

    Bronze, Silver, Silver+, Gold . each with clear cover limits.

  3. 3
    Health questionnaire

    Quick online questionnaire . most cases approved without exam.

  4. 4
    Provisional monthly premium

    An indicative price; the medical underwriter confirms final terms.

  5. 5
    Sales advisor follow-up

    We walk you through the official quote and start date.

Provisional calculation disclaimer: This is a provisional calculation based on the information provided. The final premium, coverage and acceptance are subject to document review and approval by a sales advisor.
If something happens

How claims work

  1. Step 1
    Use a network provider

    Direct billing for in-network hospitals, clinics and pharmacies . no claim form needed.

  2. Step 2
    Out-of-network reimbursement

    Submit invoices and receipts via the portal.

  3. Step 3
    Pre-authorisation for planned treatment

    Required for surgeries and overseas care . usually within 48 hours.

What affects the price

Premium factors

Number and age of insured peopleCover tier and copaymentGeographic cover (regional vs. worldwide)Optional add-ons (dental, vision, maternity)Existing medical history
Good to know

Frequently asked questions

Get covered today

Start your health insurance in minutes. No paperwork.

Get your provisional calculation now, or talk to an advisor for tailored guidance. It's free and takes less than a minute.

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Provisional in 60 seconds No credit card needed Advisor support included
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