Life & Health Insurance
Medical Insurance
An illness can have a significant impact on your personal and financial well-being. Private medical insurance provides cover for necessary surgery at a time that's convenient for you. Having a choice of medical providers and access to immediate treatment takes the stress out of the situation, letting you recover faster.
Private medical insurance offers cover for private medical procedures and treatments faster than you would receive them through the public system.
Medical Insurance provides you with a wider range of specialists and providers and takes the stress out of worrying about the rising costs of surgical and medical treatments available privately in New Zealand.
Benefits of Medical Insurance.
Treated promptly
Convenient time & location
Choice of medical provider
Medical Insurance provides cover for:
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Surgical treatment
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Hospital Stays
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Specialists Visits
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Major Diagnostic Test
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Serious Illness Treatment
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Non-Surgical hospital treatment
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Non-PHARMAC subsidised drugs
How much can treatment cost?
We’re lucky to have a good public healthcare system in New Zealand, but if you develop a condition that isn’t life-threatening, you might not receive the treatment you require straight away.
A recent survey found 73% of adults in New Zealand would not be able to afford elective surgery costing $5,000 or more. Even if your condition is not life-threatening, not being able to receive the treatment you require straight away could have a huge impact on your life. Here are some indicative costs for common procedures.
Oncology Treatment - Call your own shots.
Medical Insurance can also cover treatments for cancers and other treatable illnesses making sure you get the most comfortable treatment available.
Some cover is also available for drugs that are not subsidised by Pharmac. New cancer treatments are being developed constantly, private medical insurance gives you the ability to access these drugs without worry.
How does ACC impact your medical insurance?
ACC is designed to cover accidents to which all New Zealanders have access. The role of ACC is to provide treatment and rehabilitation services for anyone who suffers an injury as a result of an accident.
It does not cover anything that is not deemed to be an accident. However if your claim is declined by ACC, this is when your private medical insurer could pay your treatment costs.
The higher the excess the lower the cost.
If your cover becomes too expensive please talk to us; there are solutions to help reduce the cost of your policy so you do not have to miss out on protecting your health.
Instead of cancelling your policy, contact an adviser at Cartwrights to get the right advice.
Talk to an Adviser.
There are many reasons why you may take out medical insurance. Contact one of our advisers to help you through the process. We can make sure you get the right cover for you and your family’s circumstances. Cover can be added for all members of your family including children.
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