PERSONAL, FAMILY AND BUSINESS RISK AND MEDICAL INSURANCE IN AUCKLAND AND THROUGHOUT NEW ZEALAND
Health Insurance
What is Health Insurance?
Good health is undoubtedly invaluable. Health insurance takes care of your medical bills and provides you with faster medical care that suits your needs. It’s available to children from birth and there’s no underwriting required within their first three months of life.
Why do I need it?
Our public health system and ACC do a great job supporting people who require urgent medical attention. However, many health issues Kiwis face are either not accidental or can mean delayed treatment due to long waiting lists, and can cost thousands. Health insurance removes the worry around unexpected medical bills so you can focus on getting the right treatment and start your recovery sooner.
Our Health Insurance Providers are
AIA
Key benefits of our health insurance:
- There’s no annual limit on the amount you can claim for surgeries
- Includes $500,000 extensive cancer cover for every stage: from diagnosis, to treatment and recovery
- Provides up to $200,000 for major diagnostic imaging and testing
- Access to our Enhancement Pass Back Benefit which is our commitment to you to keep our insurance relevant
Changes we make to our AIA Living products in the future are automatically passed back to you, offering you even more at claim time. PERSONAL Our health insurance options AIA Private Health Takes care of the medical costs for the big things like diagnostic testing, cancer treatment, and surgeries. We let you choose your medical providers. AIA Private Health Plus As an optional benefit, you can upgrade your AIA Private Health insurance to include additional cover for specialist consultations and tests, reproductive health, and a health screening allowance.
NIB
The Ultimate Health Max Base Cover includes all the benefits of Ultimate Health Base Cover – as well as some important additional benefits designed to increase your protection and to provide you with greater peace of mind. The Ultimate Health Max Base Cover includes any future policy upgrades and policy benefits are guaranteed.
Together, this means your cover will automatically be improved if favourable new benefits or enhancements are made to the Base Cover. Importantly, nib can only change your cover if requested by you or under other limited circumstances. This will also apply to any Additional Options you select as part of your cover. Refer to pages 10 and 11 for information about the Additional Options.
For many people, choosing a treatment provider they can trust is important. With Ultimate Health Max, you can choose any recognised health provider and be covered for 100% of actual costs, regardless of the provider’s nib First Choice network* status (subject to the benefit limits and the terms of the policy and less any applicable policy excess). New, more effective medicines are being developed every day but some are expensive and some are not subsidised by the government, especially when they are first available. This can put them out of the reach of many people needing treatment.
Ultimate Health Max includes additional cover for non-PHARMAC funded drugs (in hospital or at home), up to the Hospital Surgical or Hospital Medical benefit maximums. Ultimate Health Max helps ensure access to the best range of treatment available. It’s another reason why Ultimate Health Max is such a popular choice
Accuro
What Accuro do it differently
- We only do health insurance. That’s why we are experts at it.
- We are not for profit which means that we are working for our members, not shareholders.
- Being with Accuro Health Insurance means that you can choose your own specialist.
- Children on the policy can stay at child rates until their 25th birthday, that’s four years more than other insurers.
- You’re covered for specialist consultations and diagnostic procedures for 12 months either side of surgery. Six months more than other insurers.
- We provide faster responses, like pre-approving claims within 48 hours.