HEALTH INSURANCE

Insure your health and wellbeing - private health cover can provide a faster more flexible experience than the public system, should you need medical attention that is not for an emergency.

Latest FSC data shows that the New Zealand health insurance industry supports around 1.45m New Zealanders and in the last year paid out around $1.8 billion in claims to support them to meet their healthcare costs.

Many claims relate to elective treatments, such as orthopaedic and gynaecological services, which helps to ease demand on the public health care system. Around a quarter of claims come from customers aged under 45, for a range of services - from day-to-day health care costs such as dentist and GP visits, through to specialist consultations, diagnostic tests, and surgery.

Health insurance can be a relatively expensive option relative to other life risk products. We often encourage clients to focus first on the large expenses of private hospitalisation and associated specialists and tests (other enhancements, which increase the premium cost, can be added if required).

When choosing the appropriate policy for you, we are mindful of both cost and acceptable attitude to claims processing by the insurance company.

Once medical insurance cover is in place, any subsequent changes in your health cannot be avoided by the insurance company. We therefore recommend clients seriously consider obtaining medical insurance whilst in good health, before they need it, to avoid exclusions on existing conditions.

GOOD REASONS TO HAVE HEALTH COVER

• SHORTER WAITING TIMES
• ACCESS TO A WIDER RANGE OF TREATMENTS AND SPECIALISTS
• CHOICE OF HOSPITAL AND DOCTOR
• PEACE OF MIND, REDUCED STRESS

VISIT ENQUIRE on our Home Page to arrange further information or quotations.