How much of my employee cover do I lose?
National Health Insurance generally does not include sickness allowance.
Going Independent
Insurance Division
Get prepared as you go independent.
Going independent or starting a business
Going independent changes public cover such as health insurance and pensions. We check income while you cannot work and your family's living costs alongside public cover.
Your concerns
Do any of these sound familiar?
What happens to my business if I cannot work because of illness or injury?
You need to consider both your own income and your business payments while you cannot work.
What about retirement savings?
We consider how to replace what an employee's retirement allowance and employee pension would provide.
What about my family's living costs?
We consider your family's living costs if something were to happen to you.
What happens
What happens when you go independent
Leaving work and preparing to open
You need to switch your health insurance and pension.
Office or shop lease
Leasing an office or shop is a good moment to review how you and your family are protected.
Starting the business
We consider how to prepare financially for the period until your income stabilises.
Once the business is on track
We review your cover to match your income and family situation.
Check points
What to check before you consult us
Before adding insurance, we check the cover you already have. Focusing only on the gaps keeps your household budget manageable.
Changes to public cover
Switching to National Health Insurance and the National Pension removes some of the cover you had as an employee.
Income while you cannot work
Given there is no sickness allowance, we check how far savings and other means can cover income while you cannot work.
Business payments
We check payments that continue even if you cannot work, such as rent and leases.
Provision for your family
We check your family's living costs if something were to happen to you.
Insurance
Types of insurance we can discuss
We handle products from several life insurers. We listen to your wishes and explain options in light of your public cover.
- Family income life insurance
- Pays your family a set monthly amount if you die or meet the policy's definition of severe disability (it does not cover income while you are unable to work).
- Medical insurance
- Pays benefits when you are hospitalised or have surgery due to illness or injury.
- Cancer insurance
- Pays benefits when you are diagnosed with or treated for cancer.
* Cover and premiums differ by insurer, product, age and other factors. See our insurance solicitation policy for the insurers we represent.View our insurance solicitation policy
Flow
How it works
Book a 30-minute call
Just choose three times that suit you. No visit needed.
We listen
We ask about your family, your current insurance and what you want. It's fine to just listen and stop there.
Proposal
We recommend insurance plans suited to your needs.
Agreement
We proceed only if you are satisfied. We never ask you to sign on the spot.
Book a 30-minute consultation
Just choose three times, and our staff will call you.
FAQ
Frequently asked questions
Can I consult you before opening?
Yes. You can consult us from the preparation stage.
Does my share of medical costs change under National Health Insurance?
The share you pay at the clinic follows the same rules as employee health insurance (generally 30% from primary school age to 69, varying by age and income). What changes are benefits such as sickness allowance.
Can you help me find an office or shop?
For offices and shops, please contact our Real Estate Division's stores.
Is a review of my current insurance alone fine?
Yes. We are happy to simply check your current policies.
Contact
Talk to us about cover for going independent
No visit needed. Just choose three times and our advisor will call you.
Hours 10:00–19:00
