Medical and Hospital Insurance

It is very clear to see that the Public Health system is simply not able to cope with the demands of New Zealand's growing population. We all know of people who have either had, or need hospital treatment and regularly hear of people facing waiting lists and delays within our Public Health system.

The future cost of medical care will increase and this is largely attributed to the cost of technology - will the public health system be able to continue let alone improve under the burden of increased cost?

This is a rapidly growing sector within the insurance industry as people face the simple fact - do they want to, or their family to face unnecessary delays with major medical treatment.

The options under this category are wide and varied are you should consider:

  • » Do I cover the major health issues only (Hospitalisation & Specialist) or am I better with a comprehensive policy (including GP's, Dentists, Prescriptions etc)?
  • » The cost of the various insurance plan options v features.
  • » Am I happy to pay an excess per claim to reduce the monthly premium cost?
  • » Should I cover associated costs such as Specialist charges and diagnostic costs under my policy?