Pet Insurance: Market and product overview.
Read full article This article provides a comprehensive overview of the rapidly growing market for pet insurance in Australia. It covers existing products and providers and why the take up of pet insurance is increasing. Existing Market History of pet insurance Pet insurance has a history dating back to 1890 when the first policy was […]
Cancel For Any Reason (CFAR)
Read full article What is CFAR? CFAR (Cancel for Any Reason) is a policy that covers you for cancelling your travel arrangements. You can do it for any reason. Fixing a Customer Problem During Covid I could cancel my hotel room for any reason up to 24 hours before and if I have the right […]
Travel Insurance Pricing: More complex than it looks
Read full article Travel insurance is complex, with many different underlying covers. As a result, pricing is subject to a variety of risk drivers. Every travel policy is unique, driven by differing risk factors specific to the individual travellers and the nature of their trips. Each policy has a different ratio of coverage pre-trip which […]
What is Overseas Visitors Health Cover (OVCH)?
Australia receives many thousands of immigrants each year who seek education and working opportunities and therefore often stay in the country for several years. With numbers increasing year on year, the demand for OVHC is expected to also increase. This article discusses the OVHC product, including who is covered, why they are covered, the benefits […]
Introduction to the NSW Emergency Services Levy (ESL)
In this first article on the funding of Emergency Services in NSW, Martin Fitzpatrick, and Jessie Yu dive into what the Emergency Services Levy (ESL) is, who is liable to collect it, and discuss some historical examples. What is ESL? ESL (Emergency Services Levy) is a levy to fund the majority of Emergency Services in […]
What is Overseas Student Health Cover (OSHC)?
Australia has a robust healthcare system, and the Federal Government provides a universal health insurance scheme for all citizens and permanent residents. However, international students coming to study are not covered under this scheme, which is where the Student Health Insurance market comes into play. This article discusses why, and who, needs this essential coverage […]
Why do I need travel insurance?
When we travel overseas and get sick or injured, we expect to have the same experience that we have in Australia with the benefits of our great public health system. Unfortunately, in many countries – especially those unspoiled lesser developed ones, that isn’t the case. They often don’t have the same facilities or level of […]
Are DMFs the answer when insurance isn’t?
With insurance capacity and affordability becoming increasingly problematic in a number of classes of insurance, DMFs are once again being turned to – to provide a solution where insurance is failing. However these structures can be controversial and not all DMFs are created equal. Read full article
