A Target Market Determination (TMD) explains who the specific insurance may be suitable for, as well as aspects of the policy which may make the insurance unsuitable for some customers.

These are current at the time you visit our site. We will update these as changes are made, so if you are looking to purchase health insurance you should read the most recent documents, not earlier downloaded versions.

If you have an existing policy, please refer to the documents from the time you purchased or renewed the policy, as these will be the conditions that apply for you.