80 Queen St Northcote Point Auckland 0627
Health Insurance - We Cover Pre Existing Conditions

Health Insurance

We cover pre-existing conditions

Health insurance claims in New Zealand topped just over a billion dollars ($1.2 Billion) in one year.  

If you were to become unwell, you would want to take steps to get back to good health as soon as possible.  While New Zealand does have a public health system, you are not always guarantee fast access to treatment.  This means you may be waiting for months or years in pain for a specialist consultation and subsequent treatment.  Your condition could even deteriorate.  

The reality is that while you may be in good health now, it is likely that you or someone you love could experience a significant health problem.  Having faster access and a greater choice of treatment options means you can get back to work faster, so that you can continue to earn an income and pay those important expenses such as your mortgage.  

An average of 5,362 people per month have been waiting for longer than 6 months for their first specialist assessment through the public health system.

Who claims for health insurance?

  • The largest claim made for treatment of a single condition is $178,000 for cancer (claim ongoing), followed closely by a claim for $162,000 for multiple heart problems.
  • The largest claim amount over the duration of a single policy is more than $326,000.
  • 15 clients have had claims approved for over $60,000 each in one year.
  • 54% of health insurance claimants are ages 30-59.

Ill health or lack of health insurance is one of the three main causes of people going bankrupt.

What are your options if you don't have income protection insurance?

  • Radical mastectomy $6,000-$17,000
    Surgical removal of the breast and underlying muscle tissue and some ancillary nodes
  • Heart bypass $32,000-$70,000
    An operation to rechannel blood flow to the heart
  • Cholecystectomy $5,000-$15,500
    Surgical removal of the gall bladder
  • Spinal fusion $35,000-$102,000
    An operation to join two or more vertebrae together
  • Hysterectomy $10,200-$39,300
    Removal of the uterus
  • Prostate removal $8,000-$53,000
    Surgical removal of the prostate gland
  • Total knee replacement $25,000-$72,000
    Replacement of the knee with an artificial joint
  • Varicose veins (both legs) $6,000-$15,000
    Surgical removal of varicose veins

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