We’re pretty fortunate to have a good public health system in New Zealand. But if you need non-emergency surgery, or to see a specialist, or get an expensive test done like an MRI, the public system will put you on a waiting list of up to 4 months. The question to ask is can you afford to wait?
It's good to talk it over with an impartial Squirrel adviser since you could end up paying more than you need to for medical insurance. Often policies that cover the minor things like GP visits are not necessary and this could increase your premiums unnecessarily. We'll be able to recommend a medical insurance policy that will be affordable and cover you for the essentials - whatever they might be.
There is normally an excess on a medical insurance policy that you would need to pay upfront as a portion of the medical bill and how much this is depends on how much your insurance premium costs. You can decide what you feel will work for you and your situation after the options have been discussed with you.
Our advice is impartial, and we won't try to over-insure you. It's about deciding what's important to you, and what you can realistically afford.
Definitely. However, that particular health issue may be excluded from your medical insurance policy. Sometimes after a review period, a pre-existing health condition can become covered. And other times you may have to pay a bit more to be covered from the start.
It's worth having a good chat with your insurance adviser who will be able to recommend the right medical insurance for your needs.
As well as arranging your insurance, we're also here for you if the time comes to make a claim.
To keep the process simple for you, all you need to do is get in touch with us, let us know what's happened and we'll go in to bat for you and make sure you get everything you're entitled to.