What is Health Insurance?

  

 
What is Health Insurance?
Health insurance provides you and your family with access to the very best medical expertise at a time that suits you, in a hospital of your choice.

What options can I choose?
We provide you with the option to choose the health plan that suits you best. Once you have selected the base hospital cover you can select for any of the following add-ons:
Base Hospital Cover Covers surgical treatment performed in a private hospital, minor surgery in day clinics, medical costs when admitted to a private hospital & specialist & diagnostic procedures (when associated to a hospitlisation). Limits apply
Specialist & Tests Covers you for specialist consultations and some diagnostic procedures that do not result in hospitalisation. Limits apply
GP Cover Provides cover for day-to-day health care costs. Limits apply
Dental & Optical Provides cover for health maintenance treatments often associated with an active lifestyle or the consequences of growing older (such as treatment for aches and pains, dental health and vision health). Limits apply

What is an excess?
All of our health insurers offer different excess options from Nil Excess to $4,000 Excess. The higher the excess option the lower the premium. An excess offers you a cost effective option for reducing your health insurance premiums.

Pre-existing conditions

Pre-existing conditions are health problems that exist at the time you apply for insurance. These conditions are defined as any illness, sickness, disease, injury, medical condition or symptom, on or before the commencement date:

a) which you or any insured person was aware of; or
b) which you or the insured person had signs or symptoms of; or
c) which you or the insured person sought investigation or medical advice for; or
d) where a symptom existed that would cause a reasonable person in the circumstances to seek diagnosis, care or treatment.

Insurers will treat these in one of three ways:

  • by excluding your pre-existing condition from your insurance cover, or
  • by charging a higher premium to cover your pre-existing condition, or
  • by covering your pre-existing condition only after your policy has been running for a set period of time.

It is very important to inform the insurer of any existing conditions during the application process. Failure to do so may lead to a future claim being declined. That's why it's important to take out the right health insurance policy early, before you develop a medical condition that may be exculded from your cover.
Who can have it?


Anyone between the ages of 16 & 70 who is either a New Zealand Citizen, a permanent resident or on a 2 Year work permit is eligible to apply for health insurance. Note - If you are unsure about eligibility then please contact us for further details

   
 
 

 


  
 
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