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Family Health insurance

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

Intro

Protecting Your Whānau:
Understanding Family Health Coverage

In New Zealand, family health insurance provides peace of mind and financial security for you and your loved ones. This guide explores the key aspects of family health plans, helping you make informed decisions about your healthcare options.

What is Family Health Insurance?
Family health insurance is a policy that covers medical expenses for you, your partner, and your children. It typically includes a range of services from routine check-ups to specialist treatments, ensuring your whānau receives quality care when needed.
Types of Family Health Plans
Comprehensive Cover: Offers extensive protection for a wide range of medical services
Hospital-Only Plans: Focus on inpatient treatments and surgeries
Everyday Cover: Helps with routine medical expenses like GP visits and prescriptions

Benefits of Family Health Insurance

Access to private healthcare
Reduced waiting times for treatments
Choice of healthcare providers
Coverage for pre-existing conditions (subject to terms)
Factors to Consider When Choosing a Plan
Budget: Balance premiums with coverage levels
Family size: Ensure all members are adequately covered
Health needs: Consider any ongoing medical requirements
Excess options: Higher excess can lower premiums
The Public Health System and Private Insurance
While New Zealand's public health system provides quality care, private insurance offers:
Faster access to non-urgent treatments
More choice in healthcare providers
Coverage for services not fully funded by the public system
Cost Factors
Age of family members
Smoking status
Level of coverage
Chosen excess
Tax Benefits
In New Zealand, health insurance premiums are generally not tax-deductible for individuals. However, some employers offer health insurance as a fringe benefit, which may have tax implications.
How to Apply
Compare policies online
Speak with insurance brokers
Contact providers directly for quotes
Review policy documents carefully before signing
Making Claims
Most insurers offer online claim processes, making it easy to submit and track your claims. Keep all relevant medical documentation to support your claims.
Reviewing Your Policy
Regularly review your family health insurance to ensure it continues to meet your needs. Life changes such as new family members or health conditions may require policy adjustments.

Investing in family health insurance in New Zealand can provide valuable protection and peace of mind. By understanding your options and carefully considering your family's needs, you can choose a plan that ensures your whānau's health and wellbeing are well-supported. Remember to read the fine print, ask questions, and seek professional advice if needed. Your family's health is precious – make sure it's protected with the right insurance coverage.

Where to Buy Basic
Family Health Insurance

Southern Cross
nib
AIA
UniMed
Southern Cross
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
Nib
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
AIA
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
UniMed
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

FAQs about car insurance

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We design and develop world-class websites and applications, design better and spend less time without restricting creative freedom.

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Family Health insurance quote

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