HEALTH INSURANCE

HEALTH INSURANCE

Why do I need health insurance?

The New Zealand public health system provides quality emergency care and treatment for serious medical conditions. However, rising healthcare costs continue to put pressure on the public system’s ability to both diagnose and treat non-urgent conditions, including those with a significant impact on lifestyle. In some cases, you may have to qualify for public treatment before joining the queue.

Let’s protect your family together.

Health Insurance is designed to allow you to skip the public system and go Private which allows you to skip the unacceptably long public waiting lists for both diagnoses and treatment. It also gives you more control over who treats you and when.

Secure your world, your way.
Explore tailored health coverage that suits your life.

 FAQs

  • Health insurance coverage can vary, but it often includes doctor visits, hospital stays, prescription medications, preventive care, maternity care, and mental health services. Some plans may also cover dental and vision care.

  • The coverage for pre-existing conditions can vary between insurance providers and policies. Some policies may exclude pre-existing conditions, while others may cover them after a waiting period. It's crucial to carefully review policy terms and conditions.

  • Yes, it's possible to have both public healthcare (ACC and DHB services) and private health insurance in New Zealand. Private insurance is often used to supplement public coverage, providing additional benefits and faster access to certain medical services.

  • Health insurance premiums in New Zealand are typically based on factors such as age, health status, coverage level, and any optional extras. Premiums may increase as you age, and certain health conditions may impact the cost of coverage.

  • I have trusted my insurance needs to Craig Smith of Smiths Insurance & KiwiSaver for a number of years. They have served me and my family well, knowing that we are well covered with the best policy on the market if the unexpected was to happen.

    Steve Kennedy / Director, EQ Consultants

  • I have been working with Craig Smith as my insurance broker for the past 10 years and I have nothing but great things to say about him. He is knowledgeable, professional, and always available to answer any questions I have. He has helped me find the best insurance coverage for my needs at the best price. I highly recommend Craig Smith as an insurance broker.

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  • I have been working with Craig Smith as my insurance broker for several years now and I have always been impressed with his reliability and efficiency. He is always available to answer any questions I have and makes sure I get the best coverage for my needs. I highly recommend Craig Smith as an insurance broker.

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  • I have had the pleasure of working with Craig Smith as my insurance advisor. He was incredibly reliable and professional throughout the entire process. He was always available to answer any questions I had and made sure I was fully informed of all my options. I highly recommend Craig Smith.

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  • Craig Smith really adds value service and understands the industry well. Give him a try he won’t let you down.

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