Independent health oversight for private families

Your family office has a CFO for its wealth. Who holds that mandate for its health?

TopCoverHealth acts as the Chief Health Officer for high-net-worth families and family offices across Australia and New Zealand: independent oversight of the health decisions that carry real consequence, held by one accountable advisor who answers only to you.

Request a confidential health audit

By referral and private enquiry

The exposure

A family protects every asset with expert oversight, except the one on which all the others depend.

10–15%

of diagnoses are wrong, delayed or missed. No principal would accept that margin in any other decision.

17 yrs

the average time for new research evidence to reach routine clinical practice.

5–10%

of cancers are driven by an inherited gene change, and can often be anticipated and screened for years ahead.

80%

of premature heart disease and stroke is preventable with the right surveillance and action.

Sources: Graber, BMJ Quality & Safety (2013); Morris et al., Journal of the Royal Society of Medicine (2011); US National Cancer Institute; World Health Organization.

The mandate

Oversight, not treatment.

TopCoverHealth does not diagnose, prescribe or treat. We sit entirely on your family's side of the table: independent of any hospital, insurer, clinic or laboratory, with no referral fees and no product to sell.

Our single mandate is the quality of your family's health decisions: that the diagnosis is right, the evidence is current, the specialists are the best available, and nothing of consequence is missed. The judgement of a senior health executive, retained privately by your family.

Independent

No ownership stakes, no commissions, no allegiance but yours. That is why the judgement can be trusted.

Discreet

Engagements are confidential by default and held to the standard of your other private advisors.

Continuous

Oversight does not end with a report. The evidence changes, and so does the plan.

What we oversee

Every domain that carries risk, held on one page.

Oncology and inherited-cancer risk

Anticipation and screening, and, should it arise, independent oversight of diagnosis, staging and the full treatment pathway, including precision-medicine and genomic options.

Cardiometabolic and stroke prevention

Surveillance of the silent risks that arrive without symptoms, against the most current preventive evidence rather than the standard schedule.

Complex diagnosis and expert second opinions

When the answer is unclear or the stakes are high: identifying the right specialist, wherever they practise, and a structured set of questions to put to them.

Longevity and healthspan

For principals who intend to remain at full capacity for decades, a considered programme grounded in evidence, not in whatever the market is selling.

Care coordination across specialists and borders

One orchestrated plan where the systems do not talk to each other: across providers, cities and jurisdictions, so nothing falls between them.

Review when care goes wrong

Where treatment has caused harm, an experienced, impartial review of what happened and what should follow.

Who holds the mandate

A Chief Health Officer with thirty years inside the system.

Kris Vette has spent more than three decades in healthcare management internationally, including executive hospital management in the United Kingdom's NHS, health-system quality and patient safety, clinical protocol and primary-care system design, and medicolegal investigation.

His scientific grounding is in neurophysiology and pharmacology (BSc), with postgraduate qualifications in strategy (MPhil) and business administration. The result is the strategic overview of a health-system executive, combined with the depth to read a specialist report and know what to ask next.

You deal with Kris directly, not a call centre. Where specialist input is needed, he brings in the right clinicians and holds the plan to account. TopCoverHealth takes on a deliberately small number of families at any one time.

“The right diagnosis, the right specialist, the right decision, the first time.”

Engagement

Three ways to engage.

The Health Audit

A structured, confidential review of the family's current health position: what is known, what is exposed, and what is not yet on anyone's page. A fixed fee, credited in full if you go on to a standing mandate.

Single-Matter Oversight

Independent oversight of one significant matter, such as a new diagnosis, a major treatment decision or care across borders. Scoped and priced for the matter.

The Standing Mandate

Your family's Chief Health Officer on an annual retainer: continuous oversight across every domain, reviewing the evidence as it changes and acting before a decision is forced.

Fees are agreed privately with each family after an initial conversation.

Private enquiry

Discretion is the default.

Enquiries are held in confidence and answered personally within one business day. Private-client lawyers, wealth managers and family office staff are welcome to enquire on a principal's behalf.

Thank you. Your enquiry has been received in confidence, and Kris will reply personally within one business day.

Sorry, something went wrong. Please email kris@topcoverhealth.com directly.

Or email kris@topcoverhealth.com

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Auckland · Serving families across Australia and New Zealand