Health Insurance

When your health, or that of a loved one, is suffering a fast, full recovery is always the focus. Health insurance is designed to help you get back to full health as fast as possible by accessing the best  available treatment, as soon as possible. While the NZ public health service good, it is designed for acute or immediate care of patients. Budget restraints and the lottery of different District Health Boards (DHBs) priorities mean that non-urgent treatment can be hit and miss with long and sometimes life-threatening wait times. Having Health insurance means you can avoid the long waits and huge costs involved by getting treatment when and where, you want it.


Surgical

When your health, or that of a loved one, is suffering a fast, full recovery is always the focus. Health insurance is designed to help you get back to full health as fast as possible by accessing the best available treatment, as soon as possible. While the NZ public health service good, it is designed for acute or immediate care of patients. Budget restraints and the lottery of different District Health Boards (DHBs) priorities mean that non-urgent treatment can be hit and miss with long and sometimes life-threatening wait times. Having Health insurance means you can avoid the long waits and huge costs involved by getting treatment when and where, you want it.

Surgical cover options

  • Full cover
  • Excess options
  • Specialists and Tests

Specialists and Tests

When your health, or that of a loved one, is suffering a fast, full recovery is always the focus. Health insurance is designed to help you get back to full health as fast as possible by accessing the best available treatment, as soon as possible. While the NZ public health service good, it is designed for acute or immediate care of patients. Budget restraints and the lottery of different District Health Boards (DHBs) priorities mean that non-urgent treatment can be hit and miss with long and sometimes life-threatening wait times. Having Health insurance means you can avoid the long waits and huge costs involved by getting treatment when and where, you want it.


Children

When your health, or that of a loved one, is suffering a fast, full recovery is always the focus. Health insurance is designed to help you get back to full health as fast as possible by accessing the best available treatment, as soon as possible. While the NZ public health service good, it is designed for acute or immediate care of patients. Budget restraints and the lottery of different District Health Boards (DHBs) priorities mean that non-urgent treatment can be hit and miss with long and sometimes life-threatening wait times. Having Health insurance means you can avoid the long waits and huge costs involved by getting treatment when and where, you want it.


Employee Benefits / Business Insurance

Starting a business and then finding and attracting the right staff to grow it are some of the biggest challenges you will face. It makes sense to protect the business and its human capital as well as reduce the associated costs to your business should something happen to them and they cannot come to work. Insurance cover for employees is a great tool to protect both your business and your investment in it. At the same time you can boost staff retention by rewarding them with group cover benefits.

Employee Benefits programmes or “Group Schemes”

These are when an employer takes out insurance to cover their staff, either all of them, or selected groups, to reduce the impact of death or illness and accident on the employee’s family, and/or the business. The proceeds of some of the insurances can be paid to either the employee, or the business. As little as 5 staff is enough to qualify in most cases.

Employee Health Insurance

Having a Health scheme in place allows staff to access health professionals and treatment faster and bypass the public system, so they can return to work sooner. On average, staff that have a health scheme in place, take 2 less sick days per annum than staff without a health scheme. Because the risk faced by the insurer is reduced by insuring a number of people, they can apply generous discounts and can give concessions covering existing health problems. These discounts and concessions can also be extended to staff’s family members.