Health Insurance

Taking Care Of Your Family

While we have a relatively good public health system, resources will always be limited and carefully managed by the government and unfortunately some areas in the public health system may not even be covered therefore you have to find the funds to pay it yourself which may not be able to happen and unexpected health bills can be in the tens of thousands.

Why you should have Health Insurance

Having Health insurance in New Zealand provides a much greater degree of certainty and protection than the public health system can alone.

Health Insurance is insurance that will pay for any medical expenses that you or your family have. Here are some of the things that Health Insurance will cover for:

Surgical Treatments

If you require a surgical procedure and you choose to have the procedure completed privately, your Private Medical Cover will pay the costs up to the policy’s sum insured.

Non-Surgical Hospital Treatments

If you require non-surgical treatment in a hospital and you choose to be admitted to a private hospital your Private Medical Cover will pay the costs up to the policy’s sum insured.

Life Threatening Illness Treatment

If you suffer a potentially life threatening illness such as cancer, which requires drug treatment to arrest or cure but doesn’t necessarily require hospitalization, you are still covered.

Before and After Hospitalization Costs

If you have surgery or treatment in a private hospital all the related specialist consultations and tests in the six months before and after the hospitalization are covered. Post-hospitalization costs including prescriptions and sundries, physiotherapy, hyperbaric oxygen therapy or rehabilitation costs, which occur in the six months following your discharge, are also covered.

Major diagnostic costs

If you require diagnostic tests specified on your policy, whether they lead to the need for further treatment or not, your Private Medical Cover will pay the costs up to the policy’s sum insured.

THE LIFEPLAN PROCESS

At LifePlan, we work with you to make the process of sorting out your financial future and your life insurance as simple as possible. We’re focused on your goals and helping you achieve them.

1 We take the time to understand you

The plan we develop to help you achieve your goals focuses on the best case scenario, but sometimes things don’t go to plan. It’s important that we protect you from the risks you face so that you have the best chance of achieving your goals.

2 We work together on a plan

Once we understand your goals and your current financial situation, we’ll work with you on a plan that breaks your goals into achievable objectives that are time bound.

3 We support you while you execute your plan

We might not be in the room, but we’re still there supporting you to execute the plan we’ve developed together. We’re only ever one phone call away.

4 We’ll help you protect what matters most so you can achieve your plan

The plan we develop to help you achieve your goals focuses on the best case scenario, but sometimes things don’t go to plan. It’s important that we protect you from the risks you face so that you have the best chance of achieving your goals.

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