Health Insurance

What is Health Insurance?

Health insurance is a policy which meets the costs of a range of private medical procedures and treatments. It takes care of the medical costs for the things like diagnostic testing, cancer treatment, and a medical provider of your choosing. Importantly they provide cover for Cancer Care outside of the public health system.

Why Health Insurance?

Insurance is a great way to avoid public waiting lists and access the best medical care when you need it. As a New Zealand resident, you can get emergency care and treatment for serious conditions through the public health system. Relying on this alone can come with disadvantages though – Having insurance means you can get the treatment you need faster.

How does it work?

With private insurance, you can access treatment in a private hospital, and your insurance company will pay (they can either reimburse you or pay the health provider directly).  What this means is that you won’t need to join a public hospital waiting list, and it also usually means that you have a wider range of treatment options, hospitals, and medical specialists available to you.

What’s covered?

A good health plan will cover 100% of your major medical expenses, minus any “excess” (the part of the hospital bill that you pay). This includes things like surgery, hospital charges, etc.

It’s also common for plans to cover specialist and test costs both before and after your treatment in hospital. In addition, plans will often pay for a range of “major diagnostic” costs (like MRI scans, CT scans, angiograms, etc), even if you don’t need treatment in hospital.

Contact us now to find the right health insurance policy for you.
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