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Health InsurancePeople often say there’s nothing more important than your health, and they’re right. That’s why health insurance is key. Without your health, you haven’t much else, so choosing health insurance is a smart idea, because it helps you deal with health problems better should they arise.
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Five reasons to have health insurance
If you require medical treatment would you be prepared to wait many months? If your condition isn’t acute then you might have a long wait in the public system. Only acute emergencies are treated immediately. Alternatively you could pay your own private hospital bills (anywhere from $3,000 to $30,000 per operation/treatment).
Basic policies: Usually cover the costs related to hospitalisation, and surgical or medical expenses associated with the required treatment.
Comprehensive polices: Allow you to add primary care expenses such as doctor’s visits, prescription charges, dental and optical costs, specialist and diagnostic fees, plus other health and wellness practitioners, such as osteopath, chiropractors, naturopaths, physiotherapists, homeopathic, nutritionists, reflexology, and acupuncturists.
Can you afford not to have health insurance?
Over 1.3 million New Zealanders – around 28 percent of the population – have health insurance.
Why? Because, like any other insurance, it provides peace of mind in times of difficulty. You don’t know what health problems may affect you in the future.
And you can’t foresee how they will impact on your family, your lifestyle or your earning ability.
Not all treatments or costs are covered by the public health system, and you often have no control over the timing of the care you receive.
It is common for people to endure a long and uncomfortable wait until a condition worsens enough for them to be treated in the public system.
Having health insurance means that you have access to treatment without facing a lengthy wait. You also have the assurance that you can recover all or most of the costs.
Health insurance takes away the uncertainty of your future health care.
You have the option of including an excess on your base cover to help make the monthly premiums more affordable.
Fill out the form below to get a Free Health Insurance Quote. It can’t hurt to find out the price.
- Greater choice Choose when, where, how and by whom you get treated, in consultation with your doctor.
- Financial support Less stress about how to pay your healthcare bills.
- Quicker treatment Avoid long delays waiting for treatment in the public health system. Greater certainty
- Cover for health issues that may arise later.
- Latest medical procedures Access to many of the latest recognised medical treatments and technologies.
If you require medical treatment would you be prepared to wait many months? If your condition isn’t acute then you might have a long wait in the public system. Only acute emergencies are treated immediately. Alternatively you could pay your own private hospital bills (anywhere from $3,000 to $30,000 per operation/treatment).
Basic policies: Usually cover the costs related to hospitalisation, and surgical or medical expenses associated with the required treatment.
Comprehensive polices: Allow you to add primary care expenses such as doctor’s visits, prescription charges, dental and optical costs, specialist and diagnostic fees, plus other health and wellness practitioners, such as osteopath, chiropractors, naturopaths, physiotherapists, homeopathic, nutritionists, reflexology, and acupuncturists.
Can you afford not to have health insurance?
- 50% of people who make a claim on health insurance are aged 30-59.
- An average of 4,210 people per month have been waiting for longer than six months for their first specialist assessment through the public health system.
- $224,000 paid to a male claimant aged 60 during his policy duration (Tower)
- Over $728,000 paid to 8 policy holders – for breast cancer and tumors (surgery, chemotherapy and radiation therapy) between 2013-2014 (Partners Life)
Over 1.3 million New Zealanders – around 28 percent of the population – have health insurance.
Why? Because, like any other insurance, it provides peace of mind in times of difficulty. You don’t know what health problems may affect you in the future.
And you can’t foresee how they will impact on your family, your lifestyle or your earning ability.
Not all treatments or costs are covered by the public health system, and you often have no control over the timing of the care you receive.
It is common for people to endure a long and uncomfortable wait until a condition worsens enough for them to be treated in the public system.
Having health insurance means that you have access to treatment without facing a lengthy wait. You also have the assurance that you can recover all or most of the costs.
Health insurance takes away the uncertainty of your future health care.
You have the option of including an excess on your base cover to help make the monthly premiums more affordable.
Fill out the form below to get a Free Health Insurance Quote. It can’t hurt to find out the price.
