Allied health treatment such as Physiotherapy, Chiropractor or Osteopathy.Examples of exclusions include claims for the treatment of dementia, pregnancy complications and organ transplants.Įxamples of items that (usually) fall under “not covered” (unless your policy specifically permits it): “Exclusions” are claims for the medical treatment relating to, or caused by, specific illnesses or conditions that your health insurance will not cover.The standard treatments that fall under “not covered” are different from “exclusions”. Most policies don’t cover specific standard treatments, such as dental care and physiotherapy - these are known as "not covered". We have listed some examples below, but it’s important to check the policy you buy to see what specifically is not covered.To help make sense of what matters the most, we explain “not covered” vs “exclusions” and what the difference is. Having health insurance does not entitle you to claim for anything medical-related there are many exceptions to what is covered, as we outline and explore below.It’s important to know that the purpose of health insurance is to cover you financially for urgent treatment and surgeries that you would otherwise wait for on the public/state system.In this guide, we explain how health insurance works, the best offers and deals available and important things to know.If you decide to insure yourself with a health policy, there are a few ways to bring down the costs per month so that it is more affordable.However, health insurance won't cover serious things such as organ transplants, nor will it reimburse you for any cosmetic procedures. For example, a personal preference to be treated in private hospitals or the desire to avoid waiting lists. New Zealanders take out health insurance policies for many reasons. Irrespective of your income level, savings or age, you have the same right to medical care as the next New Zealander when you need it.
#Compare medical insurance free#
Waiting lists aside, New Zealanders enjoy comprehensive medical treatments when they need them, and free aftercare. With New Zealanders offered some of the best free public healthcare in the world, private health insurance is arguably very much a luxury and not a necessity. Please see our Advertising Policy for more details about how we make money. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. If you need a quote from another insurer, we suggest getting a quote from your bank and/or a specialist health insurance broker. Important: Our comparison includes seven major health insurers - AIA, nib, Accuro, Southern Cross, AA Insurance, UniMed and PartnersLife.
#Compare medical insurance how to#
To help you decide if you need health insurance, and how to get the best price and policy if you do, our guide covers: From our examples, we found consumers could save around 30% by taking a policy with an excess of $500 or $1000 when compared to a policy with zero excess.
You can buy different types of policies that offer various levels of cover, at varying costs. Quotes and policy inclusions vary, so shopping around is essential to save the most on basic cover.
Women of equal age and health can pay around 10% more than men for the same health insurance policy. The cost of cover ranges based on age, health and gender.
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