Medical Insurance

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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 [...]

Affordable Medical Insurance

Making medical insurance affordable as we get older is vital to ensure we receive the quality and speed of medical care when we need it most. Just about every week, we read about someone who needed medical care and did not get it, and how the health system failed. New Zealand still has an excellent public health system, but at some stage, the ever-increasing costs for care, new procedures, drug treatments, and an ageing population can only mean a strain on the public health system and the tax dollars that go to fund our health system. We only have a [...]

2019-09-25T10:12:43+12:0025/09/2019|Categories: Blog|Tags: , , |

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 [...]

Health Insurance Options

There are quite a few health insurance options as well as insurers who provide private health cover.  For those who want to know the difference between health insurance and medical insurance is; the answer is nothing, they are both the same.  It's just that some companies called it health insurance and some call is medical insurance. What health insurance options do I have? Several companies provide health insurance, but firstly, it's important to understand what cover you want, then find the insurer who will give you the right protection at a premium that you are prepared to pay. Base Cover: [...]

2018-05-20T18:22:34+12:0020/05/2018|Categories: Blog|Tags: , |

When can you claim insurance?

When can you claim insurance? Here is an actual claim story from 2011 which an adviser has shared. His clients were a young couple, with 3 children. They are your typical hard working busy couple, he had his own small business and she was a stay at home mum and the kids belonged to all sorts of after-school activities, they were a busy family, even on the weekends. They had bought a new home a few years before and took out life cover, mortgage repayment and trauma cover, all which were recommended by the adviser. The couple was contacted each [...]

2017-03-31T23:17:01+13:0031/03/2017|Categories: Blog, Life Insurance|Tags: , , |

Making your insurance claim smoother

  Making your insurance claim go smoother would make our lives easier, and less stressful at a time where we already may be emotionally charged. Often we have a number of complimenting insurance policies to cover a number of risks, events and conditions that are particular to our needs.  We want to make sure that when we need to claim, that it is not a paperwork nightmare and that we do not get caught up talking to different people and companies for the same insurance claim. In my business I will quite often bundle policy benefits together to make it easier [...]

2015-06-20T00:33:09+12:0020/06/2015|Categories: Blog, Personal Insurance|Tags: , , |

Questions you should ask your Health Insurance provider

Health Insurance may be seen as a luxury more than a necessity, but according to 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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