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Common New Zealand Health Insurance Questions

There are a number of questions that invariably come up when people apply for a New Zealand health insurance policy. Below are three of the most commonly asked questions.

  • What is meant by “excess”? Excess, called co-payment in some quarters, is the amount will you have to pay after a claim has been filed. It can vary with the type of treatment, but typically the excess might be in the area of 5% to 10% of the amount of the claim. The amount is set by the insurer and should always be noted in the policy.
  • Will my policy cover a pre-existing condition? Most polices do not, but some cover certain conditions, so it makes sense to ask, Some companies will honor a claim based on a pre-existing condition, but  at the cost of a higher premium.
  • Will my policy cover an emergency situation? Probably not, but that’s not as bad as it sounds. Emergency treatment is always free, as it is covered under public health insurance. The question you really need to ask is whether private insurance will cover ongoing treatment, which is covered under public health insurance, but waiting times for treatment can be extensively long.

Between getting a quote and signing up for a New Zealand health insurance policy is the time you want to ask as many questions about the policy as you can think of to avoid unpleasant surprises later. We can’t answer your questions here, as the answer is quite often different from one insurer to the next. We will, however, offer free quotes designed to help you zero in on a particular insurer and policy. As you find out more about what coverage may or may not be provided, you may wish to look at a few additional quotes. Our “Get a Quote” button on this page will get you started. As previously noted, they are free, so you have nothing to lose.