Whether you live in New Zealand or are here for work, ensuring you have a medical and health insurance policy to cover your needs is important. Choosing a health insurance provider is an important but necessary task if you wish to have peace of mind for yourself or your family. However, the choice of personal health insurance can be daunting. With so many health & medical insurance providers to choose from like Accuro, Southern Cross or Marram, it’s difficult to decide which one is right for you. That’s why with this how to guide, we are going to provide you with a list of key things to look at and compare with each provider to help you find the best deal for your circumstances.

Type of Cover

When you are looking at buying insurance you need to know what you are going to be paying for. Some providers of health insurance only cover major surgeries or health problems that meet certain strict conditions e.g. your insurance covers you for severe injury and surgical costs but does not pay for clinic visits or additional medication post treatment. When you are looking at your policy details, be very aware of the types of injury your policy covers so you don’t get caught out in an emergency


Naturally, when looking for health insurance you will want to be looking for the best price for what you are getting. However, it is important to be note that the cheapest does not always necessarily mean the most valuable. When making your determination on cost, shop around for different rates, get quotes from different providers (these are often but not always free). Use these and the level of coverage to determine which provider presents the best value.


A number of medical and health insurance policies will have limits to the amount of money you can claim, dependant on the type and severity of your injury or health problem. It’s in the insurance agencies best interest to pay as little money out as possible. This does not mean they won’t pay at all, but it pays to be aware of the upper limit of your insurance to get the best possible care. After all it’s what you pay the premiums for.


One thing that can often catch some people out is the excess on the policy. Essentially the excess on your policy is a part of the agreement that stipulates how much the policy holder is expected to cover for their own treatments before the insurance company will start to pay out. Being aware of this can save you a lot of aggravation when making a claim and is also a good thing to look at your provider. Be wary of insurers with high excesses as minor bone breaks may not be covered by the excess, meaning you have to pay for your treatment.

All of the points above are things you should consider when buying your health or medical insurance. By looking at these points, you can get a better idea of what is the right policy for you and which provider is going to give you the best value for your money.


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