Elective surgery health insurance

Elective Surgery
insurance

This type of insurance is designed to cover everyday health needs, providing Kiwis with additional support for primary healthcare services.

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Elective Surgery Health
Insurance in New Zealand

Understanding Your Options for Non-Urgent Medical Procedures

Elective surgery can significantly improve your quality of life, but waiting times in the public health system can be long. Private health insurance offers a solution, providing faster access to non-urgent procedures. This guide explores elective surgery coverage in New Zealand, helping you make informed decisions about your healthcare.

What is Elective Surgery?

Elective surgery refers to non-emergency procedures that are medically necessary but can be scheduled in advance. Common examples include:

Joint replacements

Cataract removal

Hernia repair

Varicose vein treatment

Tonsillectomy

Public vs. Private: Weighing Your Choices

New Zealand's public health system covers many elective surgeries, but waiting times can stretch into months or even years. Private health insurance allows you to:

Skip public waiting lists

Choose your specialist and hospital

Schedule surgery at a convenient time

Types of Health Insurance Plans

Comprehensive Cover

Includes a wide range of elective surgeries and other medical services.

Major Medical

Focuses on more expensive treatments and hospital stays.

Surgical-only

Covers just the costs of surgery and related hospital expenses.

Key Factors to Consider

When selecting an elective surgery insurance policy, evaluate:

Coverage limits

Excess options

Pre-existing condition rules

Claim processes

Network of approved providers

Policy Exclusions and Waiting Periods

Be aware that most policies have:

Stand-down periods for certain procedures

Exclusions for pre-existing conditions

Limits on overseas treatment

Making a Claim

Obtaining a referral from your GP

Consulting with a specialist

Getting pre-approval from your insurer

Scheduling the procedure

Submitting claim documentation

Cost Considerations

Age

Health status

Level of cover

Chosen excess

While elective surgery insurance can be a significant expense, it provides peace of mind and potentially faster treatment when you need it most.

ACC and Elective Surgery

Remember that accidents and injuries are covered by ACC in New Zealand. Health insurance complements this by covering non-accident-related elective procedures.

Is Elective Surgery Insurance Right for You?

Consider your:

Health history and risk factors

Financial situation

Comfort with waiting times in the public system

Staying Informed

Health insurance policies and the healthcare landscape can change. Regularly review your cover and stay updated on any policy amendments or new options in the market. By understanding elective surgery health insurance in New Zealand, you can make choices that best support your health and wellbeing. Consider consulting with a licensed insurance advisor for personalised guidance tailored to your specific needs.

Where to Buy Basic
Health Insurance

Southern Cross

Southern Cross is a well-established name in the New Zealand health insurance market. As a not-for-profit organisation, it focuses on returning value to its members.

Offers a range of plans, including basic options like their "Wellbeing Starter" plan

Known for efficient claim processing, with many claims settled within 5-7 working days

Provides a mobile app for easy claims submission and policy management

Offers a network of affiliated healthcare providers for potential cost savings

Regularly scores high in customer satisfaction surveys

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Nib

nib entered the New Zealand market in 2012 when it acquired Tower Medical Insurance. Since then, it has grown to become one of the major players in health insurance.

Offers flexible coverage with their "Basic" plan as an entry-level option

Provides digital tools including a mobile app for policy management and claims

Focuses on preventive care with programmes like health screenings

Offers coverage for some pre-existing conditions after a waiting period

Provides options for adding extras like dental and optical cover to basic plans

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AIA

AIA is a global insurance provider that entered the New Zealand health insurance market by acquiring Sovereign in 2018.

Offers integrated life and health insurance options

Provides a vitality programme that rewards healthy lifestyle choices

Offers loyalty benefits for long-term customers, such as increasing cover over time

Provides options for both individual and business health insurance

Offers a "Private Health" plan as their basic health insurance option

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UniMed

UniMed is another member-owned, not-for-profit health insurer with a history dating back to 1979.

Offers both comprehensive and basic plans, with their "UniCare" plan as a basic option

Provides options for both individuals and employer groups

Known for its strong focus on customer satisfaction

Offers some unique benefits like cover for obstetrics and infertility treatment on certain plans

Provides loyalty benefits, increasing certain benefit limits over time

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Elective Surgery
insurance