Greentree Insurance: Medicalinsurance

Medical Insurance

At some stage in our lives we are likely to need medical treatment. You can't predict what
health problems will happen to you in the future, and you can't foresee how they'll impact
your family, lifestyle and earning ability.

NZ’s public health system provides good services for emergency situations (like a car crash),
but for other health problems - even very serious ones, like cancer treatment – you can
spend months or even years on a waiting list. If you have medical cover you won’t need
to wait; you can access high quality treatment quickly and focus on getting better.

What plan is the best one for me?

Choosing the best Medical Insurance plan for you needs can be complex. Your Greentree Insurance adviser has done the research and they can explain the in and outs of the different plans on the market, and tell you what to look for and what to avoid. Extra add-ons like cover for GP visits, prescriptions, dentists and opticians will often add more to the premium than you are able to claim, making them a waste of money.

When it comes to Medical Insurance, it is most important to be covered for the ‘big ticket’ items like surgery and hospitalisation.
Take a look at our list below of important things to consider:

Does it pay 100% of the cost of surgery?
Does it provide adequate cover for non-surgical
hospitalisation?
Does it cover specialists and tests related
to surgery or hospitalisation?
Does it cover non-pharmac funded treatment?
Does your excess remain the same, no matter
how much your treatment costs?
Does your insurer guarantee the wordings
of your policy, or can they change them at will?
Can you add an additional specialists and tests option?
Does the insurer have a favourable claims philosophy?