Many people in New Zealand opt for private health insurance in addition to the public health system. A private policy means you could say goodbye to endless waiting times, even for non-emergency procedures. You can also tailor a health policy to your requirements, perhaps you are looking for something for your child or someone who needs special care. Use the chart below to compare the main features of each offer. How much can you expect to pay for the policy? What exactly can you claim on? Will you be able to include cosmetic surgery? Once you are ready to apply you can click on the blue More Info button. Before you apply make sure that you read the terms and conditions of the health insurance cover in order to make sure that you are fully covered.
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Prepare for the unexpected with a great Health Insurance policy.
Why get health insurance when there is free healthcare?
New Zealand has an effective healthcare system. However, some feel that while your basic health care needs are covered, there are many important healthcare factors that are overlooked.
Many people take out private health insurance because often you will be treated quicker than you would through the public system. You wonít have to wait weeks for an appointments or months for operations and treatment. You will also be given more control and choices when it comes to the treatment you are given as you can often decide where and when you are treated and in some instances which consultant or surgeon you want to treat you. Another advantage is that you will see a higher standard of facilities.
How to find the right Health Insurance policy
You will be able to find flexibility and choice when choosing a health insurance policy.
You need to make sure you have the right level of cover in place should you need healthcare. The main aim is to reduce your premiums without compromising your medical cover. The cheapest policy isnít necessarily the best as it will offer you the least amount of cover. However, you will be able to find a range of policies that suit a variety of budgets.
Use the table above to compare different health insurance policies. Before applying make sure you read the terms and conditions fully and understand exactly what is and what is not covered. Always make sure you know exactly what you are paying for and whether there are any additional charges that you need to be aware of.
Choosing the best level of health insurance cover suitable for you
Health insurance can be split into a number of levels of cover, the more comprehensive policies obviously attracting a higher premium. Always check that the health insurance level of cover is suitable to yours and your familyís health care requirements. If the unexpected should happen, you will have the knowledge that you will be covered.
When shopping for the perfect health insurance for you, it is important to not only compare the prices but also to compare what is covered by the policy. Health insurance policies vary considerable in terms of the level of cover and exclusions. The cheapest health insurance policy might not be suitable for you. Think about the exclusions and ensure that you will be covered and can afford the premiums.
Always read through the policy documents and make sure you are aware of the terms and conditions that apply to your cover. If you are in any doubt then you should seek independent financial advice.
03 April 2014
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The public health system in New Zealand can be a brilliant service and is one that is often taken for granted. Having said this many people turn to health insurance and private medical treatment. Why is this case?