Check what is covered, including accidents, illness, hereditary conditions, dental treatment and prescription medicines, and note any exclusions or pre-existing condition rules. Compare waiting periods, annual and per-condition limits, excesses, reimbursement percentages and whether benefits reset each policy year. Read the Product Disclosure Statement (PDS) carefully, including age limits, sub-limits, claim procedures and whether premiums may change at renewal. If you are unsure about the wording, ask the insurer for clarification and consider getting advice from a licensed insurance professional.