Please read this disclaimer carefully before relying on insurance information, comparisons, statistics, illustrations or other content available through UnbiasedCover.
The information available on UnbiasedCover is intended to help users understand and evaluate insurance options more effectively. It should not be treated as a substitute for the official policy wording, proposal form, quotation, benefit illustration or other documentation issued by the respective insurance company.
Insurance products are issued and administered by the respective insurance companies. In the event of any difference between information available on UnbiasedCover and the official policy documentation issued by an insurer, the insurer's applicable policy wording, schedule, terms and conditions will govern the insurance contract.
Content available on UnbiasedCover is provided for general information, insurance awareness, comparison and customer assistance purposes.
We aim to present insurance-related information in a clear and understandable manner. Insurance products and their suitability, however, depend on individual circumstances, requirements and insurer-specific terms.
Product features, benefits, waiting periods, exclusions, premiums, deductibles, co-payments, sub-limits, network information and other insurance details may vary between products and insurers.
They may also be changed or updated by the respective insurance company.
Comparisons displayed or explained by UnbiasedCover are intended to help customers evaluate insurance products using multiple relevant factors.
A comparison, score, ranking or recommendation should not be interpreted as a guarantee that a particular insurance product will be the most suitable option for every customer.
Individual requirements may differ based on age, medical history, family composition, location, budget, preferred hospitals, coverage requirements and other circumstances.
The cheapest premium, highest claim statistic or largest advertised coverage should not be considered in isolation when choosing an insurance policy.
Claim Settlement Ratio or other claim-related statistics may provide useful context, but a single percentage should not be treated as the sole indicator of an insurer's suitability or the likelihood that an individual claim will be approved.
Where claim-related data is presented, UnbiasedCover may consider multiple indicators to provide broader context.
Depending on data availability and relevance, this may include claim settlement information, claim payout or amount settlement indicators, rejection-related information, incurred claim ratio and other relevant claim or service metrics.
Historical industry or insurer statistics do not guarantee the outcome of any future or individual insurance claim. Every claim is assessed based on the policy terms, facts, documents and circumstances applicable to that claim.
Premiums, quotations, discounts, offers or illustrations displayed or communicated through UnbiasedCover may be indicative until confirmed by the relevant insurer.
Final premium may depend on factors including age, location, medical history, occupation, coverage selected, underwriting, applicable taxes and insurer requirements.
A displayed or communicated quotation should not be treated as final until confirmed through the insurer's applicable proposal and underwriting process.
UnbiasedCover may assist customers with understanding claim procedures, documentation requirements, insurer communication and follow-up.
Claim assistance does not mean that UnbiasedCover approves, rejects or settles an insurance claim.
The final assessment and decision regarding an insurance claim remains with the respective insurance company in accordance with the applicable policy terms, documents, facts and regulatory requirements.
No statement regarding claim assistance should be interpreted as a guarantee of approval, full payment or settlement within a specific period.
General information available through UnbiasedCover should not be considered medical diagnosis, treatment advice, legal advice, tax advice or personalised financial advice.
Where professional advice is required, users should consult an appropriately qualified professional.
Insurance company names, logos, product names and trademarks displayed on this website belong to their respective owners.
Their appearance on UnbiasedCover may be used for identification, comparison, informational or service-related purposes and does not transfer ownership of those trademarks to UnbiasedCover.
Availability of a particular insurer or insurance product may change and may also depend on eligibility and applicable distribution arrangements.
UnbiasedCover may provide links to insurer websites, payment providers, hospitals, maps, social platforms or other third-party services.
Third-party websites operate independently and may have their own terms, privacy policies, security practices and content.
Users should review the applicable terms before providing information or completing a transaction on an external website.
We make reasonable efforts to maintain useful and current information. However, we do not represent that every piece of website information will always be complete, error-free or immediately updated following a change by an insurer or third party.
Website functionality may also occasionally be interrupted due to maintenance, technical issues, network conditions or circumstances beyond our reasonable control.
To the extent permitted by applicable law, UnbiasedCover shall not be responsible for losses arising solely from reliance on outdated third-party information or independent decisions and actions of insurers, hospitals, payment providers or other external service providers.
Nothing in this Disclaimer is intended to exclude or limit any right, responsibility or liability that cannot lawfully be excluded or limited.
UnbiasedCover may revise this Disclaimer from time to time to reflect changes in our website, services, business practices or applicable requirements.
The latest version may be published on this page together with the updated revision date.
If you need clarification regarding information displayed on our website, an insurance comparison, an existing policy or a claim-related matter, please contact the appropriate UnbiasedCover support channel.
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