It depends on what you want it for. I'll assume that you are ttc.
We are with HCF- not sure of the cost but we have whats called "family extra's" so it covers us privately when we have a baby.
Most companies have a 12 month waiting period to pay out on such policies so that means waiting about 3 months before falling pregnant (3 + 9 = 12) so that you will be covered.


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