What is Health Insurance?
Health insurance is desiged to assist you meeting the financial costs associated with certain health service like hip replacement, knee replacement, cataract removal, heart surgery, hysterectomy, cancer treatments, MRI scans etc.
Benefits of Health Insurance
The public health system has never funded all the health needs of New Zealanders. This is true for many areas of health, such as doctor’s visits, prescription costs, and non-urgent surgery where people have queued on wait lists, often for operations they were never going to receive. The public health system’s waiting lists have now been replaced by a booking system which makes it clearer that there are surgical needs which not be met from the public purse.
Ageing Population:
By 2025 there are projected to be more New Zealanders 75 or over than teenagers. As the population ages there may be less taxable income and less money for Health System. This has obvious implications for access to the public health system.
Who can have Life Insurance?
Anyone between the ages of 0 & 70 who is either a New Zealand Citizen or a permanent resident is eligible to avail private health insurance. In certain cases where work permit holder residing in New Zealand for more than 2 years are also eligible for private medical insurance. Please contact us for further details on (09) 215 24 23.
The Cost of Surgery
Many people believe they can afford to pay for private surgery if they need it but do they know how much surgery and test really costs
| Procedure | Description | Cost |
| Cardiac bypass | Heart surgery | $36,100 |
| Angiogram | Diagnostic test | $3,600 |
| Angioplasty | Heart surgery | $20,100 |
| Total hypertension | Surgery | $9,000 |
| Prostatectomy | Cancer surgery | $10,000 |
| Excision of cancerous tumor | $1,800 | |
| Colonoscopy | Diagnostic test | $2,100 |
| Radical mastectomy | Breast cancer surgery | $7,500 |
| Gastroscopy | Diagnostic test | $1,600 |
| Laparoscopic cholecystectomy | Gall bladder surgery | $8,600 |
| Total hip replacement | Surgery | $25,000 |
| Total knee replacement | Surgery | $24,000 |
| Cataract removal | Eye surgery | $3,900 |