Health cover covers the financial costs of dealing with health problems.
The important reasons to have health cover are as follow:
You have a greater choice of when, where and how you get treated after consultation with the doctors.
Peace of mind that all medical bills will be taken care of.
Avoid any long delays in the public health system when it comes to non-acute medical condition.
For example, the person may suffer from heart attack that requires surgery but is deemed not
immediately life threatening by the doctor at current stage, the person will be on waiting list
in the public health system. How long the list is may depend and in many cases can takes up to
several months to year(s) if the people do not have any private health cover. The emotional and
financial stress of waiting can be frustrating and straining. Waiting may mean the condition could
deteriorate, prolonged periods in pain and discomfort, loss of income because can't work and your lifestyle could not go on until you receive the treatment.
Get cover now when the insured is healthy because it will cover for many unknown health issues that may arise in the future. In many cases pre-existing condition will generally be excluded so it is best to get covered when the insured is healthy.
If insufficient medical resources in NZ and treatment are unavailable in NZ, you can be treated overseas and all associated cost will be covered. Certain criteria need to be met and max limits apply.
In-Hospital only or Base Cover
Covers big expenses after specialist consultation which results in surgical treatment or non surgical hospitalization/treatment.
In-Hospital, specialists and tests
Covers specialist consultations and some diagnostic procedures that do not result in hospitalization.
In-Hospital, specialists and tests and GP cover
Covers include regular GP consultation and prescriptions benefit. Stand-down period, max benefit limits and conditions apply.
In-Hospital, specialists and tests and GP cover and Dental & Optical
Covers include regular trips to dentist and optometrists. Some specialists consultation including chiropractor, osteopath, audiology and acupuncture are only covered under this option but with some insurer it may be included (In-Hospital, specialists and tests option). Stand-down period, max benefit limits and conditions apply.