Why Health Insurance Matters

Health insurance is more than just a safety net; it’s an essential investment in your future. Whether you’re young and healthy or have a family to look after, the right health plan ensures that you have access to the latest medical treatments, surgeries, and medications when you need them most. In New Zealand, while the public healthcare system provides essential services, private health insurance offers a range of additional benefits that can make a big difference when it comes to your care and treatment options.

Key Benefits of Health Insurance

1. Quick Access to Medical Care
   Private health insurance gives you faster access to medical specialists and treatments. In the public healthcare system, waiting times for elective surgeries and specialist appointments can be long. With private insurance, you can avoid these waitlists and receive timely care.
2. Choice and Flexibility
   With private health insurance, you have more control over where and how you receive treatment. You can choose your healthcare provider, select from a wider range of treatment options, and even decide on the timing of your medical procedures.
3. Comprehensive Coverage
   Private health insurance typically covers a wider range of medical services that are either partially covered or not covered by the public system. This includes specialist consultations, physiotherapy, and elective surgery. Some policies even cover dental and optical care.
4. Peace of Mind
   Health insurance offers peace of mind knowing that you and your family are covered for unexpected medical events. With health costs rising and medical bills sometimes being significant, having insurance gives you the assurance that you can receive the best care without worrying about the financial implications.

What Factors Influence Your Health Insurance Premiums?

Several factors will influence the cost of your health insurance premiums in New Zealand, including:

• • Age: As you get older, premiums may rise due to an increased risk of health issues.
  • Lifestyle: Smoking, alcohol consumption, and overall lifestyle choices can impact your premium.
  • Pre-existing Conditions: Some health conditions may affect your premiums or coverage options.
  • Level of Coverage: The more comprehensive the cover, the higher the premium. Additional services like dental, optical, or physiotherapy can also influence the cost.

At Turning Point Finance, we help you understand these factors and guide you in choosing the right policy that balances cost and coverage.

Is Private Health Insurance Worth It in New Zealand?

Yes, private health insurance is definitely worth considering. While New Zealand’s public healthcare system offers high-quality services, there are limitations when it comes to waiting times and the range of services available. Private health insurance ensures you have the flexibility to choose how and when you receive care, which can be crucial in times of illness or injury.

Moreover, with private health insurance, you may gain access to services like health screenings, physiotherapy, and even alternative therapies that aren’t covered by the public system.

Finding the Right Health Insurance Plan

At Turning Point Finance, our experienced health insurance brokers work with you to assess your needs and recommend the most suitable health insurance policy for your situation. Whether you’re looking for basic coverage or something more comprehensive, we’ll help you find the right plan and provider for the best value.

We have access to a wide range of providers and policies in the market, allowing us to tailor a plan that suits your budget and health needs.

Don’t Leave Your Health to Chance – Get Covered Today

Health insurance is an essential part of your financial planning and long-term security. At Turning Point Finance, we’re dedicated to helping you understand your health insurance options and find the best coverage to protect you and your loved ones.

Contact us now to speak with a local broker and get a quote!