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Cancer Cover Insurance
Sep 19, 2019
Having Cancer Cover can help assist you in recovering both physically & financially!!!
Although it remains one of the most common and devastating diseases – cancer isn’t a death sentence by any means.
In New Zealand, two-thirds of all serious illness claims are for cancer. Cancer insurance can pay you a lump sum of money if you’re diagnosed with cancer to help you recover physically and financially.
What are the Facts?
*According to information published by the Cancer Society:
1 in 3 New Zealanders will be affected by cancer.
Each year approximately 21,000 people are diagnosed with cancer and 8,800 will die as a result
Cancer is the leading cause of death in New Zealand accounting for nearly a third of all deaths.
There are over 100 different cancer diseases. The five most common cancer diagnoses are colorectal, prostate, breast, melanoma and lung cancer.
What do most people use Cancer Cover for?
To help fund non-Pharmac drugs not covered through our health system. It can also be put towards reducing debt such as your mortgage, credit card, hire purchase or car finance etc.
This insurance will pay for your spouse or family member to take time off work, so they can provide support and care at home or for additional or alternative treatments that may not be covered by the New Zealand health system or health insurance
You may be able to cover additional expenses such as childcare and travel to medical appointments. You may need to take time off work to rest and recover or choose to work reduced hours.
Cancer cover can even go towards treating yourself, such as going on a family holiday.
Trauma Cover is an option of insurance you can put in place which allows you to claim when you receive a cancer diagnoses.
Another great option is to have both Trauma Cover and Cancer Cover. If you have have both of these insurances in place, it allows you (if you qualify for a claim under both covers) to receive both sums insured. That means you could have a few more options when it comes to creating a treatment plan. This means less stress on how you will manage bills and supporting your family and more money and focus can go into beating the cancer.
In other circumstances, pre-existing conditions like diabetes, heart disease or HIV, may prevent you from being able to put Trauma Insurance in place, so this means Cancer Cover is a great alternative available to you.
We understand that navigating the in's and out's of your insurance can be daunting. As insurance advisers our job is to find you the right insurance with the right Insurer and help you with any claims. We work on behalf of you, our client, and not for the insurance companies so you know we have your best interests at heart.
*Thanks to Asteron Life and the New Zealand Cancer Society for the facts and information used for this post.
At Ask we focus on what you need and help you understand what your insurance will do for you.
If you need help with arranging insurance cover in Christchurch then give us a call or get in touch.
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A study co-authored by Dr Caroline Shaw from the University of Otago and Professor Alistair Woodward at the University of Auckland has found that Wellington is New Zealand’s ‘fittest city'.
Wellingtonians, it was found, walk more and take more trips by public transport than other New Zealanders.
The ‘Fittest City’ study has been released as part of the New Zealand launch of the world’s largest health and wellbeing programme, AIA Vitality.
“New Zealand cities vary widely, not only in geography, but also in urban planning and transport decision-making. There are consequences for population health, greenhouse gas emissions and local air pollution,” says Professor Alistair Woodward.
Levels of walking, cycling and public transport were used to estimate the effects on health and the environment in the six largest New Zealand cities.
Wellingtonians, it was found, walk more and take more trips by public transport than other New Zealanders.
The ‘Fittest City’ study has been released as part of the New Zealand launch of the world’s largest health and wellbeing programme, AIA Vitality.
“New Zealand cities vary widely, not only in geography, but also in urban planning and transport decision-making. There are consequences for population health, greenhouse gas emissions and local air pollution,” says Professor Alistair Woodward.
Levels of walking, cycling and public transport were used to estimate the effects on health and the environment in the six largest New Zealand cities.
The simplest answer is that you have a greater chance of injury or death from unnatural causes and the higher that chance the more expensive your premium could be. But don't panic we can help!
As insurance brokers it is our job to find the policy that is best for you and your circumstances and we do our best to make your health insurance journey simple and clear for you, in a language you understand.
With that in mind we have put together a list of the common terms you will find in your insurance policy documents that you might want to understand a little better.
With that in mind we have put together a list of the common terms you will find in your insurance policy documents that you might want to understand a little better.
October is Breast Cancer Awareness Month. Breast cancer is the most common cancer in New Zealand women and The Breast Cancer Foundation New Zealand’s mission is to stop women dying of it.
Fidelity Life, New Zealand’s largest locally owned and operated life insurer and two-time ANZIIF New Zealand Life Insurance Company of the Year, has been awarded the Accessibility Tick.
The ASK Team provide advice about Life Insurance, Trauma Insurance, Income Protection, Mortgage Repayment Protection, Health Insurance, Total & Permanent Disablement.
To safeguard your family in the event your unable to work, it's important to protect your income.
Apart from our health our income is our largest asset, something we can't do without!
Easy and quick access to mental health diagnosis and support has been added to the range of services that Kiwis can call on from Accuro Health Insurance.
About 47% of New Zealanders will experience a mental illness and/or addiction at some time in their lives, with one in five people affected in any one year.
An insurance broker is a professional adviser, an expert in understanding insurance and risk management. Our job is to find you the right insurance with the right Insurer and help you with any claims. But responsibility for the risk associated with your policy sits with the insurer.
In practice this means that while we work to pair you with the Insurer who’s right for you and work with you if you have to claim, we’re not the ones who pay out when a claim is made.
Life insurance is one of those topics which can seem pretty daunting! There are so many different types of cover out there and it can feel like a never ending list of things to consider. That's why it’s always a good idea to talk to an adviser for help understanding your options - but more about that later! For now, here is a breakdown of what you need to know.
What are your goals? Paying off your mortgage, savings for retirement, health, a beach house?
Think about it for a moment – if your health failed, how would that affect your financial future, or that of your family. Suddenly all of your dreams and plans for the future would need to be seriously revised or may no longer be possible.
The good news is that with the right life insurance you can still protect what you value most – lifestyle, family, health, even the home you live in, no matter what.
