TERMS OF USE
Terms of use
The content and tools provide general information and help identify questions to clarify in official documents.
Not individual advice
Results are not legal, financial or individual insurance advice. The portal does not assess your needs or decide which product you should buy.
No policy sales or brokerage
You cannot buy a policy, request a personal quote from an insurer or arrange brokerage through this portal. External links are provided for source verification and opened at your discretion.
Accuracy, scope and currency
We strive to verify data against primary sources, but products, terms, prices, registers and official procedures can change. Missing information does not mean cover does not exist, and a publicly listed product may not be available to everyone.
Governing documents
For a specific contract, the offer, IPID, policy, insurance terms and other insurer documents govern. If there is a discrepancy, rely on the current official document and send us a correction.
External links
A link to an insurer, regulator or other official source is not an endorsement, ranking or guarantee of third-party content. The portal does not control external websites.
Responsible use of tools
Calculators and checklists show arithmetic or topics to review based on your input. They do not determine payment eligibility, risk acceptance or an insurer's future decision.
Consumer rights
A general overview of complaints, response deadlines, HANFA and HUO mediation is available on the Insurance consumer rights. This does not replace legal advice on an individual dispute.
Updated 2. 10. 2026.. Always consult the linked official source for the applicable terms and rights.