Do I need health insurance in New Zealand?
The New Zealand health system is robust and much of a person’s care in NZ is handled either by the public health system or by the Accident Compensation Corporation (ACC). Any urgent or emergency treatment will be taken care of through the public system.
In tandem with public health, ACC covers the cost of medical fees, treatments, as well as rehabilitation and residential care costs related to accidents or injuries.
Any non-emergency conditions need to go through assessments and qualify for elective treatments, such as hip replacements, hysterectomies or MRI scans. Elective surgery waiting times vary dependent on the procedure required and the number of specialists in your area.
Health Insurance provides peace of mind that you and your family may have faster access to medical treatment when you need it most.
Health insurance allows you to potentially cover the gaps that may exist when relying on the public system, such as some elective treatments. If you are diagnosed with a non-acute condition there might be a lengthy wait for treatment, this is where private health insurance can help. It may provide faster access to treatment, reduces the potential costs of any private treatment options, and gives you more choice over when you receive different treatments.
Health cover helps pay for private medical care and can give you access to alternative treatment that is often not funded or easily accessible. You can also choose plans that cover day to day care like GP visits, dental check-ups, and optometry.
Other Health-related policies can include medical insurance; which covers private hospital bills and other medical costs, trauma or critical illness cover; which gives a lump sum under certain conditions, income protection insurance, disability insurance, and mortgage protection.
Get the personal insurance cover that suits you
Its easy to look for a deal online but unless you read all the fine print you could end up paying for cover you don’t need or worse, find you don’t have suitable cover come claim time. Different policies cover different needs, so you need to choose the one that is most appropriate for you.
Multiple Insurances needed
Sometimes multiple insurance policies are required to ensure you have the cover you require for your individual circumstances, such as:
- Health and life insurance
- Health and trauma insurance
- Health and income insurance
Choosing what is suitable for you, will give you piece of mind and provide the best value for money.
Speak to one of our insurance advisers and have peace of mind around your Health insurance needs,
simply call 0800 438 238, email letstalk@advicefirst.co.nz or fill in the form below
Get insurance that suits you and protect your loved ones with help from us
Here are three ways we can make a difference to meeting your insurance needs.
1. Our advisers are insurance specialists. They are passionate about helping you find suitable cover in an easy, no-fuss process.
2. We can provide insurance comparisons for all the major insurance companies in NZ helping you choose a policy that will protect you, your family and your lifestyle.
3. All our advisers are paid by salary, not by commission. This means you can be sure we are focused on achieving good outcomes for you.
Support at claim time
When the time comes to make a claim on your insurance policy, we can be by your side every step of the way. Please talk to us first so we can help to manage the claims process from start to finish and ensure everything is as smooth and stress-free as possible.
Insurance is complicated. But we make it simple. Contact us for an insurance package that protects your loved ones, simply call 0800 438 238, email letstalk@advicefirst.co.nz or fill in the form below.