New Zealand’s public health system is good — but waiting lists can mean months of delay for specialist appointments and surgery. Health Insurance gives you faster access to diagnosis and treatment when you need it most, including access to treatments not funded by Pharmac and not covered by the public system.
A: Depending on the policy, cover can include surgical procedures, specialist consultations, non-surgical hospital treatment, serious illness benefits, and non-Pharmac funded drugs. Some policies also include GP visits and dental. Your adviser will compare options and recommend the most suitable plan for your family.
A: Yes — the best time to get Health Insurance is before you develop any health conditions. Taking cover early means you are less likely to face exclusions or premium loadings for pre-existing conditions. It also locks in more comprehensive cover at a lower premium.
A: Yes. Choosing a higher excess reduces your annual premium significantly. Your adviser will help you find the right excess level based on your budget and risk tolerance.
