NewZealand has an effective health care system for acute conditions however most people who require less urgent or elective medical treatment can’t usually afford to be on a waiting list for a long period.
Having the option to go to a private facility and get treatment done early is important and having access to non-pharmac funded drugs could be the difference between living longer or not. Medical insurance starts with a private hospitalisation and surgical plan and will usually have optional benefits such as specialist and diagnostic testing, GP visits, optical and dental treatment costs that can be added to the policy. Having an excess on your policy can reduce your premiums but you do have the option to have no excess at all.
Benefits of Medical Insurance:
- Best doctors access – ability to get a second opinion from some of the worlds most leading health professionals.
- Cover for non-Pharmac treatment – treatments that are not subsidised by the government.
- Children can be added without medical underwriting from birth to 6 months of age.
- You can choose your own specialist with some policies.