- Apia is tailor made for seniors. It keeps premiums down by not offering cover for treatments including assisted reproductive services, pregnancy and cosmetic surgery.
- Essential and Classics Extras keep premiums low by covering only a basic spread of services. Other extras you might need can be added on for an increase in your premium.
- It doesn't offer a lot of choice, it only has 3 hospital insurance policies.
- It doesn't offer basic hospital cover.