1. How clearly do you understand what your current medical insurance does and doesn’t cover?

2. If you needed specialist treatment abroad, how confident are you your cover and savings would cope?

3. If a serious illness stopped you working for 12–24 months, how would your family replace that income?

4. How prepared are you for out-of-pocket medical costs (excesses, travel, accommodation)?

5. When did you last review your medical and critical illness cover against your current lifestyle and dependants?