An individual health plan covers one person with a dedicated sum insured, so a claim by a family member never reduces your cover.

A family floater plan shares one sum insured across the whole family for a single premium, which is usually cheaper than buying separate policies.

Critical illness cover pays a lump sum on diagnosis of a listed serious illness such as cancer, heart attack or stroke, regardless of actual hospital bills.

Top-up plans raise your health cover cheaply by paying claims above a chosen deductible, making them a smart companion to a base policy.