Terms of Use
Provider: Brokerfish Limited, Brighton Place Lot U0213–U0215, Jalan Bahasa, 87000 Wilayah Persekutuan Labuan, Malaysia.
Contact: [email protected]
Last updated: 31 August 2026
1. Who we are
BrokerFish Navigator is operated by Brokerfish Limited, incorporated in Labuan, Malaysia under the Labuan Companies Act, 1990 (Company No.: LL06440) and a licensed Labuan Insurance Broker under the Labuan Financial Services & Securities Act, 2010 (Licence No.: BS200863). BrokerFish has been an independent international health insurance broker since 2008.
2. What this service is
The Navigator lets you compare international health insurance plans side by side, tailor their options, request a personal quote, and apply online. It is free to use and requires no sign-up. Using the comparator does not create an insurance contract — a contract exists only when an insurer accepts your application and issues a policy.
3. What the figures are
Premiums shown are computed live from the insurers’ own published rate tables for the details you enter. They are genuine published rates, not estimates — but they remain indicative until the insurer confirms your application: the final premium is set by the insurer at acceptance and can differ where underwriting adds terms, where a rate table has been revised, or where taxes and duties apply. Where we positively know a tax or duty is added on top of a displayed figure, we say so next to it.
4. Cover decisions belong to the insurer
Acceptance, underwriting terms, exclusions and claims decisions are made by the insurer, never by BrokerFish. Nothing on this site is a guarantee of acceptance or of cover. Benefit summaries and comparisons are prepared with care from the insurers’ own documents, but the insurer’s policy wording is the contract and prevails over anything shown here. Read the policy documents before you buy; we can send them to you.
5. How we are paid
How we're paid: the insurer pays us a commission if you buy — you pay the same premium as buying direct.
6. Your side of it
Quotes and applications rely on what you tell us and the insurer. Give accurate, complete answers — an insurer can adjust terms, decline a claim or void a policy over inaccurate disclosures. Keep copies of what you submit; our application flows give you a record of your answers.
7. Accuracy and liability
We work hard to keep rates, benefits and eligibility rules faithful to the insurers’ published documents, and we correct errors when we find them or when an insurer tells us. We cannot promise the site is error-free at every moment, and we are not responsible for decisions an insurer makes about your application or claim. Where you rely on a figure or benefit detail, the insurer’s own confirmation and policy documents are authoritative.
8. Intellectual property
The site, its text and its software are Brokerfish Limited’s. Insurer names, logos and plan documents belong to their insurers and are shown to identify their products.
9. Governing law
These terms are governed by the laws of Malaysia as they apply in Labuan.
10. Complaints and contact
If something has gone wrong, our complaints procedure explains what to do and who regulates us. For anything else, see how to reach us. How we handle cookies and personal data is covered by the Cookie & Data Policy.
11. Changes
We update these terms when the service or the law changes; the date at the top is the version you are reading. Continued use after a change means the current version applies.