Secure Your Future with the Right Health Insurance Plan
Finding the right health insurance plan in New Zealand shouldn’t cost you the earth.
We receive questions from clients just like you everyday about qualifying for health insurance products. This is recommend you should work with a health insurance broker to find the right cover for your needs, and how much you should expect to pay in premiums.
Having the right Health Insurance Plan that is future-proofed is vital to ensure you and your family have access to the latest medical surgical and non-surgical procedures. Many older policies don’t cover the new and enhanced ways of treating medical conditions such as cancer, and many have little or no cover for Pharmaceutical drugs not covered by Pharmac.
Having health insurance gives you the peace of mind of knowing we can gain immediate access to hospitalisation when and where we need it while having the often significant costs involved covered.
Check out some of the answers to our most commonly asked questions below so you can see how easy it is to work with Adelphi Insurance for all of your health insurance related needs.
What is the average cost of health insurance in NZ?
A number of factors will influence the cost of your health insurance premiums including age, lifestyle, and pre-existing conditions you have currently or conditions you experienced in the past.
Further to that, the level of coverage you’re interested in will highly influence your regular costs. This could include the deductible (or, out of pocket) expenses you incur for regular services and procedures through to the extras medical care and benefits you want to support your wellbeing and lifestyle. All of these factors would be examined, included in your policy terms, and help you decipher what eligible costs you can claim when the time comes to access your benefit.
To make sure you’re not overpaying for insurance or are underinsured, we recommend speaking with an insurance broker to determine the right cover for your needs and then finding a policy provider who can meet those needs for the best price.
Is it worth having private health insurance in NZ?
Absolutely. Call us biased–but we always recommend having health insurance to keep you protected against the extra accidents and illnesses that come up in life.
Further to that, having a private health insurer potentially means having more options available to you in the event of an accident, injury, or illness–and getting the type of healthcare you want during a challenging time. Because New Zealand healthcare specialists operate in both a public and private medical system, holders of private health insurance (or those with the means to pay) can access a private healthcare provider and claim their treatment while racking up huge medical bills.
Recipients under the public health system must receive care from public service providers. While equally as qualified at providing quality care, some private healthcare providers may have shorter wait times for specialist services, offer faster access, or offer additional benefits and services with limited availability in the public system.
Finding the Right Health Insurer in New Zealand
At Adelphi we want every Kiwi to have the health insurance and healthcare cover they need to gain a peace of mind; that’s why our expert brokers can help you navigate the number of policies on the market to find the coverage that suits your need, lifestyle, and budget.
Because New Zealand has an excellent public healthcare system, we’ve noticed that some New Zealanders don’t consider getting private healthcare–which we think is underinsuring yourself. Instead of leaving it up to chance, we recommend getting affordable cover that will give you options to choose how you want to be treated in the event of illness or accident.
Like we said–peace of mind. If you want to know more about the policies we can connect you with, speak with one of our local brokers today. We’re NZ owned and have NZ wellbeing in mind.
Why have private insurance if there is a public health system in NZ?
Great question! How lucky we Kiwis are to have a great public health care system that takes care of every New Zealanders healthcare needs.
Why you might choose to get private health cover is if you want to have more choice when it comes to your medical treatment in the event of an accident, injury, or illness without incurring exorbitant medical bills. Further to that, some policy holders like accessing extra wellbeing benefits that they may have to pay fully out-of-pocket for without their private coverage–for example, remedial massage or physiotherapy treatments.
If you’re interested in adding to your peace of mind knowing you’re covered in case of an unforeseen event or you want to take advantage of all of the other health specialist consultations and services on offer, private health insurance products might be right for you.
Don’t take our word for it
here’s what our clients say
Andy has been very helpful, we couldn't have filled out the paperwork without him. He is friendly and courteous and a pleasure to deal with.
“My wife and I are so very thankful for the sincere and professional support we have received from Chris Goddard over the last year as we have worked through a very rough time. We would have never made a claim without his support and advice. He has offered valuable advice every step along the way, offering to do things above and beyond, showing his sincerity. We were just talking yesterday about how lucky we are that we signed up all those years ago when we got our mortgage for the extra protection - mortgage and income protection. Because of this, I am now receiving extremely expert and expensive help from medical professionals that I would otherwise not have access to. I have advised several friends and family members recently of the services provided and will continue to do so!".
Great to deal with. All the options were easily explained and pointed out the ‘pros and cons’ thoroughly. Exceptional service.
"During our first meeting Nina was friendly and efficient, setting us at ease while establishing our occupations, financial restrictions, health history and insurance requirements.
Nina prepared our insurance packages, emailed them to us then we met again to the discuss the options she had clearly illustrated. Due to changing circumstances Nina requoted our options three times during which she travelled a long distance to meet with us and discuss anything we did not understand in a knowledgeable and concise manner.
My husband and I are happy to recommend Nina as a Financial Advice Provider to any prospective clients."
"Omg I am crying right now. Thank you so much. I cannot believe it, this money would come at a perfect time you have no idea. We are a 1 income family & things have been very tight. You are amazing !! Your customer service is top notch".
“Can I please take this opportunity to say how much I have appreciated your kindness and support throughout this entire journey I have been on and with such a great outcome. You were there for me right from the start and just talking to you, having you listen to me at my lowest and also helping me through all the paperwork, that, I am very grateful for .
Your company is very lucky to have you. Once again Ryan you are the best .”
"Top class advice, great service, good regular feedback. Thank you, Foster"
“Michael who was the friendliest most professional person to help us choose the right plan for us moving forward. Excellent communication made the process very easy and stress free. Michael was available to answer any questions at any time. Highly recommend Michael and Adelphi for all your insurance needs”.
"Honest advice from Chris based on his experience with clients and insurers. He went out of his way to schedule times which suited our family".
"Nina was very knowledgeable and presented an informative and balanced description of the various products. I felt that she had the best outcome for our situation front and centre, rather than trying to push products that we didnt need."
“Ryan has been helping me with my claims for the last few months. I have ongoing health issues which can be very stressful at times, however, Ryan has been nothing short of amazing in helping me with the NIB processes. His thorough attention to detail, reliability, friendly support and kind ear has really taken the load and stress off my shoulders. He gets back to be very quickly and has things sorted within days. He explains the NIB processes in a way I understand and makes me feel valued. He has provided me with remarkable service and I cannot fault his work!!”
“I recently dealt with Andrew to help with my KiwiSaver hardship withdrawal. In what was a stressful time Andrew was very professional, he understood my needs and made the process simple and easy. Would definitely recommend Andrew for anything KiwiSaver."
"Nina is an amazing professional. Besides having a lot of knowledge on what she sells, she was able to explain me in a language I could understand. She is patient, compromised, and really helped find the best option for me. She was everything I needed in such a hard time for me. I can recommend her services with my eyes closed."
