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Health Insurance

Surgery waiting lists

Our public health system may have to tackle a mounting surgery backlog, and surgery waiting lists could grow exponentially if COVID-19 cases soar. Auckland's district health boards have the funding and people to handle the massive task of tackling the region's elective surgery backlog, Health Minister Andrew Little says.  But not everyone shares his optimism. Under the national guidelines for alert level 4, all non-urgent care, including surgery and outpatient appointments, have been postponed.  Auckland's DHBs have not been able to provide exact numbers on how many procedures have been cancelled at this stage. But in June 2020, it was [...]

2021-10-27T12:33:21+13:0027/10/2021|Categories: Blog, Health Insurance|Tags: , |
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Major Surgery Insurance

When thinking about major surgery insurance, you may immediately think of health insurance also known as medical insurance, but there are complementing products you may want to consider at the same time should the need of major surgery arise. Most of us have heard about waiting lists and people waiting for major surgery, only to have that list grown and surgery wait times extended. A recent example is the Waikato DHB who have a growing waiting list of cardiac treatment and surgery.  You would think that such a serious condition requiring cardiac surgery would be immediate care, but our health [...]

2021-07-21T08:51:13+12:0021/07/2021|Categories: Health Insurance, Income Insurance|Tags: , , , |
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Who is PHARMAC

Who is PHARMAC and what do they do? Fortunately for us Kiwis, we have PHARMAC who are a government funded agency that decides which medicines and related products are funded in New Zealand. They decide what treatments they subsidise to make drug treatment more affordable or even free, but they have a limited budget and have the task of deciding which treatments they subsidise which also means which ones they cannot.  I use the word cannot because if they could afford to, I am sure they would. Here are some facts you should know about PHARMAC In the 2019/2020 years [...]

2021-06-23T10:12:24+12:0023/06/2021|Categories: Blog, Health Insurance|Tags: , , , |
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Health Insurance

Health Insurance Health insurance, how does it work and when you would need it.  This article will explain what it is, how it works and some examples where you would be glad you had it. This is private insurance where you pay a small premium to the insurer, and they will pay for the big private medical costs outlined in their policy document.  What types of costs insurers pay for and how much they pay can be very different from each other, which is why you should always talk to us first. One of the more popular form of Health [...]

2020-11-14T21:01:26+13:0023/09/2020|Categories: Blog, Health Insurance|Tags: , , , |
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Insurance for COVID-19

Insurance for COVID-19, and what are your options? Firstly, there is no specific insurance cover for COVID-19 but the medical conditions or health complications it may cause you, could be covered and it will depend on the type of cover you have and the conditions that are caused by COVID-19. Let's look at a couple of scenarios Scenario 1 If you had income protection and were unable to work because you were sick, then you could be eligible to claim on your income protection policy whether the COVID-19 virus caused it or not.  Your policy wording may be something like [...]

2020-11-15T22:54:55+13:0019/04/2020|Categories: Health Insurance, Income Insurance, Life Insurance|
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Public Hospital Waiting Lists

Public Hospital Waiting Lists Have you ever wondered how many people are on public hospital waiting lists?  Just about every week, we see news headlines that our public health system is under pressure. Below is a headline that hit the NZ Herald on 21st October 2019 which read; Waikato mum suffering chronic pain told she can either pay $7500 for a scan or go on the waiting list. A woman who has been suffering chronic pain for more than a year has been told she'll need to wait until next month for a test that could be done within a [...]

2019-10-22T11:42:27+13:0022/10/2019|Categories: Blog, Health Insurance|
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Best Medical Insurance

Who has the best medical insurance will depend on the benefits you are looking for in your cover.  In my opinion, one of the main criteria is where medical insurance will pay for Non-Pharmac subsidised drug treatment. For example, in today's' modern society new innovative drugs are being developed to help treat cancer, and some of the new drugs help those who are undergoing cancer treatment, but unless Pharmac subsidises the new drugs, they are far too expensive for most individuals.  Medical insurance could make the difference between life or death. So who has the best medical insurance? Most major [...]

2018-10-19T19:44:10+13:0019/10/2018|Categories: Blog, Health Insurance|Tags: , , |
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Questions you should ask your Health Insurance provider

Health Insurance may be seen as a luxury more than a necessity, but according to healthfunds.org.nz more than 32% of New Zealanders have private health insurance.  I think this is considerably high, especially if most of us see it as a luxury.  Maybe now, it is no longer a luxury but fast becoming an important part of preserving our quality of life. Why we do we have Health Insurance? Everyone will have their own reasons.  Maybe it's the thought of being on a waiting list to get surgery or not getting that personal level of attention (and privacy) you may [...]

2015-05-24T03:39:22+12:0024/05/2015|Categories: Blog, Health Insurance|Tags: , |
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