What's The Deal With Health Insurance?
Updated: Feb 4, 2019
It can seem daunting to think about getting health insurance. But there are many reasons to consider it – from protecting you and your family to obtaining valuable financial support.
Health Insurance helps to cover the cost of your medical and surgical expenses. It can give you:
Faster access to treatment by avoiding public hospital waiting lists.
Less financial stress by reducing your medical costs and time off work.
More choice over when and where you receive treatment for qualifying medical conditions.
It can even do things like pay for your day to day healthcare costs like GP visits, physio appointments and trips to After Hours.
Public vs Private Health Care
New Zealand has a public healthcare system that will look after your acute needs and A.C.C. will cover you for accidental injury.
However, if you need to see a specialist, have non-acute surgery or a diagnostic procedure (such as an MRI), the public system will put you on a waiting list. With health insurance, you can see a specialist in the private healthcare system quicker than waiting to move up the list.
This can save time and money, reduce ongoing pain and uncertainty, and increase the chance your treatment is successful by allowing you to be diagnosed and treated faster.
Ultimately, health insurance helps by giving you access to the medical treatment you need, when you need it.
And with around 1.36 million kiwis already covered, it is worth getting on board and securing yourself some extra financial support.