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Health/Medical Insurance

What is Medical Insurance?
Medical insurance is insurance cover against the risk of incurring medical expenses among individuals. The purpose for medical insurance is to ensure that there is always money available to pay for the health care benefits specified in the insurance agreement.

Why do I need Medical Insurance?
As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have Medical insurance.

You also need medical insurance because you cannot predict what your medical expenses would be. In some years, your costs may be low. In other years, you may have very high medical expenses.

We also know that there is a link between having medical insurance and getting better health care. Research shows that people with health insurance are more likely to have a regular doctor check up and to get health care when they need it.

Medical insurance is one of those things that is easy to put off. It’s easy to say. “The New Zealand hospital system is good enough, even if I may have to wait a bit for an operation.”

It’s easy to think “I am healthy right now, I’ll get medical insurance sorted later,” this approach leaves you exposed if something does go wrong with your health. You will not be able to get any cover for any related illness for the rest of your life.

Putting off health insurance is a risky decision, timing it just right before you get sick or injured is impossible.

The best time to get Health Insurance is when you are young and healthy.

What are the benefits?
So that you can look after yourself or your family, having Medical insurance gives you options so you can qualif for medical treatment quickly. It helps you avoid public hospital waiting lists. It gives you more choice over where and when you have treatment.

You will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.

When would I need it?
New Zealand’s acute (emergency) care is of a great standard, however if your case is non urgent, say if you were to have an operation for a tumor, rather than waiting for a time suitable to the public hospital waiting list you fast track you waiting time and have the operation at a location suitable to you.

How can I get it?
To get Medical Insurance or you want to review your current cover, just contact Assetwise and we will guarantee that you would get the best service.