Quality private medical cover provides the funding enabling you to more immediate access and a broader range of treatment options than those available through the public health system.
Quality policies cover both surgical and non-surgical claims. If you require a surgical procedure whether in hospital or day stay, and you choose to have the procedure completed privately, your private medical cover will pay some or a percentage of the costs. Depending on the medical insurance provider, if your required surgery is the result of a heart attack, stroke, coronary artery disease or critical cancer then the excess will often not be deducted from this benefit.
Non-surgical hospital treatment
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 a maximum of a predetermined sum per year for each life assured (certain exclusions may apply). Depending on the medical insurance provider, if your required surgery is the result of a heart attack, stroke, coronary artery disease or critical cancer then the excess will often not be deducted from this benefit.
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 hospitalisation, a quality private medical policy will cover you. Private medical cover gives you access to the most effective drug treatments available, irrespective of whether those drugs attract a government subsidy or not (certain exclusions may apply).
Many more benefits are provided by a quality private medical cover policy including but not limited to the list below:
- Major diagnostic costs
- Before and after hospitalisation costs
- Worldwide cover – Australasian treatment
- Medical tourism option
- Automatic cover for babies
- Your choice of excess
- Death benefits
- Special assistance at home
- Treatment away from home outside of New Zealand
- Second opinion benefit
- Children added to your policy
- Optional non-hospital-related specialists and tests cover