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For professional sports players, injury is not a remote possibility but an occupational risk. Training intensity, competition schedules and physical demands significantly increase the likelihood of injury, surgery and rehabilitation. While many people assume that standard private medical insurance will provide adequate protection, the reality for professional athletes is very different. At Proactive Medical and Life, we regularly arrange specialist insurance solutions for pro

If you're feeling a little shocked after opening your health insurance renewal this year, you're definitely not alone. Many people are finding the cost of cover harder to manage, and some are beginning to question whether they should continue at all. A common thought we hear is, “Maybe I should just self-insure instead.” Before you take that step, it’s important to understand the full picture, and the alternative options that could keep you protected without  overstretching y