Private medical insurance gives you the choice to get the best treatment available
Medical or health insurance is probably one of the most important insurances to have. While we are lucky in New Zealand to have a free public healthcare system which caters well for sudden acute and major illnesses and accidents, if you require diagnostics, have a degenerative condition, or require non-urgent or elective surgery, you can be on a long and frustrating wait list. Some treatments and medications are not subsidised or offered under the public health system either.
Types of health insurance
Premium Finance can talk you through the range of medical insurances and the cover they offer. Depending on the age and stage you are in life, and whether you are looking for affordable or a very comprehensive level of cover, will be part of the decision as to what type of health insurance you opt for. Some policies cover surgery only, others cover specialists, diagnostics and surgery, and others will cover GPs as well as most other medical care. Dental and optometrist services are included in some health insurance policies too.
How health insurance works
You choose the level of cover you require, pay your regular premiums, and if you need a procedure that is covered in your policy you can sometimes ask for a prior approval, but if not, you can make a claim afterwards. Sometimes the treatment provider can claim on your behalf and get the payment made directly to them. When you first get health insurance you may need to declare pre-existing conditions and these might not quality for cover, or you may get cover after a specific amount of time with the policy.
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Fill out the form below and we will contact you as soon as possible. If it’s urgent, please call us.
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