We hope you will find the answer to your question listed below. If you require further information please call or email.
What is private health insurance for?
When you are faced with a health problem, you will be able to access private medical treatment paid for by your insurer, and you will not have to wait for the public health system to find a place and time for you to be treated. No waiting, no fuss, no stress!
How much will my medical insurance cover?
There are plans that will pay 100% of any major medical expenses. Some plans include options like visits to your GP or dentist but these can be expensive and do not really offer value for money. A good rule of thumb is, when looking for health insurance, only take a policy that covers treatments that you cannot afford to pay easily yourself.
Do I need private health insurance?
As you know, your body is your greatest asset, and we all only get one to last a lifetime. As you do not know if or when you may suffer from a serious health issue, insuring your ability to obtain the best treatment makes good sense.
Should I wait until I am older to take out private medical insurance?
It is really important to take out health insurance while you are still healthy – before you develop a condition that could be regarded as a pre-existing condition, and therefore be excluded from your policy. The earlier you start the less chance there is of exclusions.
What is a pre-existing condition?
A pre-existing condition is a medical condition that exists at the time of applying for your medical insurance. Obtaining cover for these can be difficult but not impossible, so admitting and discussing them with your adviser is essential.
Are new 'New Zealanders' eligible for private health insurance?
Yes if you have New Zealand residency and/or a two year work permit you can apply for private medical insurance; this includes your dependent children.
Does private medical insurance cover you while traveling overseas?
Usually not. We recommend you contact us for a comprehensive travel policy.
What is an excess?
An excess is the amount you choose to pay in the event of a claim. Just as you do with car insurance. The excess is the part of your bill that you pay. For example; if your medical bill is $4,000 and you have a $250 excess your insurer will pay $3,750. Having an excess also reduces your monthly premium
Just what does 'Specialist and Tests' mean?
'Specialist and Tests' is an extension to a private medical insurance policy which will cover the costs of specialist treatment and medical tests whether it results in hospitalisation or not.
