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Pre-existing Condition Health insurance

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

Intro

Understanding Pre-existing Condition Health Insurance in New Zealand

Are you concerned about getting health insurance with a pre-existing condition in New Zealand? This guide will help you navigate the complexities of private health coverage for ongoing medical issues.

What is a pre-existing condition?
A pre-existing condition is any health issue, symptom, or sign of illness that existed before you took out an insurance policy. These can include:
Chronic illnesses like diabetes or asthma
Previous injuries or surgeries
Mental health disorders
Ongoing treatments or medications
How pre-existing conditions affect health insurance in NZ
In New Zealand's private health insurance market, insurers typically handle pre-existing conditions in one of three ways:
Full exclusion: The condition and related treatments are not covered
Limited exclusion: Coverage begins after a set period, often 2-3 years
Full coverage: Some insurers may cover the condition, usually with higher premiums
Disclosure and assessment
When applying for health insurance, you must disclose all known health issues. Insurers will assess your medical history to determine coverage and premiums. Failure to disclose can result in claim denials or policy cancellation.

Options for Kiwis with pre-existing conditions

Public health system
While wait times can be long, the public system doesn't discriminate based on pre-existing conditions
ACC coverage
Accident-related conditions may be covered by ACC
Employer group schemes
Some workplace policies offer more lenient terms
Specialised insurers
Certain providers focus on high-risk individuals
Tips for securing coverage
Compare policies from multiple insurers
Consider waiting periods for limited exclusions
Explore options for partial coverage of your condition
Consult an insurance broker for personalised advice
The importance of health insurance with pre-existing conditions
While challenging, obtaining private health insurance with a pre-existing condition can provide:
Faster access to specialists and treatments
Coverage for non-public procedures
Peace of mind for future health needs
Key terms to understand
Premium loading: Increased cost due to higher risk
Stand-down period: Time before coverage begins
Moratorium underwriting: Exclusion period for pre-existing conditions
Staying informed and protected
Health insurance policies and regulations can change. Keep abreast of updates from the Health Funds Association of New Zealand (HFANZ) and the Insurance & Financial Services Ombudsman (IFSO) for the latest industry standards and consumer protections. Remember, every situation is unique. Always read policy documents carefully and seek professional advice to ensure you're making the best choice for your health and financial wellbeing.

Where to Buy Pre-existing
Condition Health Insurance

Southern Cross
nib
AIA
UniMed
UniMed
UniMed
Southern Cross Health Society
Southern Cross Health Society
Largest health insurer in New Zealand
Offers various plans with different levels of cover for pre-existing conditions
Some policies may cover pre-existing conditions after a stand-down period
Nib
Nib
Provides options for covering some pre-existing conditions
Offers a range of plans with varying levels of cover
Known for their First Choice network, which can help manage costs
AIA New Zealand
AIA New Zealand
Acquired Sovereign in 2018, combining their health insurance offerings
Some policies may cover pre-existing conditions after a waiting period
Offers health and life insurance packages
Partners Life
Partners Life
Relatively new player in the market, known for innovative policies
May offer cover for some pre-existing conditions, subject to assessment
Provides personalised underwriting
Accuro Health Insurance
Accuro Health Insurance
Member-owned, not-for-profit health insurer
Offers cover for some pre-existing conditions after a stand-down period
Known for their SmartCare+ plan, which can include some pre-existing condition cover
UniMed
UniMed
Not-for-profit health insurer
Offers various plans that may cover some pre-existing conditions
Known for their group and workplace schemes
Key points to remember
Cover for pre-existing conditions varies widely between insurers and specific policies
Most insurers require a detailed health assessment before offering cover
Some may offer partial cover or cover after a waiting period
Premiums may be higher for policies that include pre-existing condition cover
Always read the policy wording carefully and seek clarification from the insurer

Remember, the New Zealand health insurance market is dynamic, and new products or changes to existing policies may emerge. Always check for the most current information when making decisions about health insurance.

FAQs about car insurance

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.
We design and develop world-class websites and applications, design better and spend less time without restricting creative freedom.

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.
We design and develop world-class websites and applications, design better and spend less time without restricting creative freedom.

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