Health insurance provides an added level of protection over and above our public health system
In New Zealand, we’re fortunate to have access to a high level of care through the public health service, but it is currently under strain. Relying on the public health system alone can mean longer wait times for access to specialists and surgeries, and less choice in the treatments available.
Health insurance can provide faster access to better treatments, giving you and your family peace of mind. Most importantly, it can give you access to specialist drug treatments not subsidised by the government's "Pharmac".
Get in touch to explore your health insurance options and take control of your healthcare.
Insure Otago has proudly delivered health insurance strategies to individuals and families across Otago for many years
- Can help speed up your access to treatments and surgery compared with the public system
- Policies that provide cover for specialist appointments and diagnostic tests
- Funding of non-Pharmac drugs to help treat major illnesses
Your requirements for health insurance will differ depending on your individual circumstances. Insure Otago's advisor will help you understand what level of cover may be appropriate for you and your family
How does health insurance work?
Health insurance works by spreading the individual risk of a policyholder across a wide group of people. You pay your weekly, fortnightly, or monthly premiums, and these create a pool of money that is then used to pay out claims when you get sick. Depending on your policy and specific treatment you’ve received, you may need to part-pay for treatment, with the insurer paying the rest, or you may need to pay in full and then claim back a reimbursement from your insurer.
Who can get health insurance?
Almost anyone can get health insurance, with even those with pre-existing conditions may sometimes have them covered, or excluded while still allowing access to the other benefits of the policy. Health insurance can also be obtained for just you as an individual, or also for your partner and any children you have.
How Insure Otago can help...
For independent advice on what type and level of health insurance could be appropriate for you and your family, contact Insure Otago and talk to our experienced insurance advisor today.