Why do I need Health Insurance?

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You cannot tell when or what health issues or problems may affect you in the future. Not all procedures are covered by the public health system, more importantly access to public treatment is determined by needs and not when you want to be treated. The degree of seriousness or levels of disability may have to be very high before the New Zealand public system allows you access and the situation may already have had a major impact on your quality of life and ability to earn. Or you may have to use up that nest egg for your treatment.

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“I’m young and healthy….I don’t need health insurance”

WRONG - at just 21 years old a student was diagnosed with early stage Her-2 Breast Cancer. The ordeal of surgery, chemotherapy and fundraising $72,000 for Herceptin treatment while studying was not easy. Her story proves that serious illness can strike anyone at any stage in their life!

We don’t wait until we have the car accident to insure the car! We all know that it is wise to insure before we drive out of the sales yard. We do this to protect against loss in dollar terms if we were to have an accident. Why should we not look at our bodies in the same light? Before you take that high income earning machine out for a spin why not insure against accident or breakdown i.e. unforeseen illness or mishap.

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What about an Emergency?

We are fortunate in New Zealand to have a good public health system that caters for acute and serious conditions but, if you don’t require immediate treatment to ensure your survival then the assessment and qualifying levels for elective surgery can take months even years.

 

 

Looking for Medical Insurance New Zealand then contact us today