I would like someone to explain the waiting periods before I choose a policy.
Start with the wording. A useful conversation helps you understand when benefits begin and where exclusions apply.
INSURANCE. UNDERSTOOD.
A little clarity.
A lot of
peace of mind.
Clear advice for your health and life cover.
Protect what matters, with confidence.
No pressureNo jargonJust clarity
A better way to
think about insurance.
think about insurance.
Real conversations.
Clear answers.
Clear answers.
Every detail.
Simply explained.
Simply explained.
From choosing cover
to understanding claims.
to understanding claims.
THE FLORENTE EXPERIENCEA little help.
A little help.
At every step.
From the first question to the next step.
Explore the journey with us.
A conversation, your way
Get a little guidance.
Start with a conversation about your needs. Ask the questions on your mind and understand what deserves a closer look.
- A 30-minute conversation
- A clear place to start
- No pressure to decide
A MORE PERSONAL WAYGood questions deserve
Good questions deserve
a real conversation.
Someone to listen. Someone to explain the details. A little help making sense of what’s right for you.
- Health and life cover, simply explained
- Time for all your questions
- Guidance at your pace
WHAT A GOOD CONVERSATION CAN DOQuestions worth asking.
Questions worth asking.
Answers worth understanding.
Explore a few example conversations.
UNDERSTAND YOUR POLICYThe fine print.
The fine print.
In plain English.
Choose the part you want to understand. Bring your policy wording for the exact details.
Small details can make a big difference.
Let’s make them easier to understand.
MY PEACE-OF-MIND PLANA few checks.
A few checks.
A clearer choice.
The right cover
The important details
A plan for tomorrow
A LITTLE HOMEWORK GOES A LONG WAYYour insurance
Your insurance
checklist. Sorted.
Not sure what to look for? Our simple checklists help you ask the right questions before you choose.
A LITTLE WISER, ONE READ AT A TIME
Visit the learning centre Insurance, in plain English.
GOOD QUESTIONS. SIMPLE ANSWERS.
A little more clarity?
Let’s clear up a few things.
01What is Florente?+
Florente helps you understand insurance, organise your questions, and compare the details that matter before making a decision.
02How do I choose between health and term insurance?+
They serve different needs. Health insurance helps with eligible healthcare expenses, while term insurance provides a benefit to your nominee if a covered death occurs during the policy term.
03Can I compare policies here?+
Yes. Use the comparison worksheet to compare key features from the policy documents you have. It does not display live insurer quotes.
04How can I speak with someone?+
Use the consultation form to share your preferred time and topic. A request is only confirmed after the team accepts it.
05Will every medical expense be covered?+
No. Cover depends on the policy wording, waiting periods, exclusions, limits, and the insurer’s assessment of the claim.
06What should I prepare before a consultation?+
Think about who needs protection, your existing policies, your budget, and your main questions. Please do not send medical records through the general enquiry form.