Considering Health Insurance
Why choose health cover?
Moving countries can be overwhelming and the last thing you think about is medical insurance.
Yes, New Zealand has public healthcare, however the public system excludes many top treatment options, which are only available privately and can include long waiting times for non-urgent care, so a specialist appointment may involve a lengthy wait.
Having private medical heath cover speeds up the process dramatically and gives you peace of mind that, God forbid something terrible were to happen, you would get immediate specialist care from the country’s top specialists with access to the latest treatments.
Life Assurance – Services they offer
Life Cover
You work hard to provide for those you love. Life Insurance protects your legacy by ensuring financial security via a lump sum for your family should you pass away or become terminally ill.
Critical Illness – Trauma Protection
Have you considered how your family would cope if you were diagnosed with cancer, suffered a heart attack, stroke or loss of limb? – Your independence, ability to earn an income or take care of dependents can be seriously affected if you suffer a critical illness or accident. Trauma cover provides a lump sum financial protection for a wide range of specified critical conditions.
Terminal Illness
Provides a lump sum upon diagnoses as terminally ill and are likely to die within 12 months. The funds can be put towards possible treatment costs – or used as you like when needed most.
Disability Income Protection
Imagine losing the ability to do all the things you love to do because of a debilitating illness or accident. Disability income cover provides a financial safety net should you become disabled and left unable to earn your regular income. It includes a range of income cover products to help ensure your household expenses are met, your mortgage is covered and your lifestyle protected.
Severe or Multi-Trauma
For those seeking higher levels of affordable cover against more severe conditions, or options that provide protection against multiple events. These products help create a severity-based trauma solution, providing funds when they’re needed the most.
Total & Permanent Disability
TPD pays a lump sum if you suffer a condition that meets the insurance providers definition of total and permanent disablement. The best products will pay a lump sum if you’re deemed medically unable to perform the duties of your regular occupation.
Private Medical Cover
With plenty of Health Insurance providers, you have some great options to ensure you will be well looked after in the event you require hospitalisation or surgery. Medical cover will help you to bypass the lengthy public waiting lists, access the top specialists, hospitals and treatments should you become ill or injured.
Mortgage & Household Expenses
Buying a home is a major financial commitment, so it’s important you have cover in place to protect you if the unexpected happens. Likewise, Government support is unlikely if you’re unable to work following an illness – Household Expense cover provides a regular monthly payment to help protect your lifestyle.
