Health / Medical
If you had a choice between taking your chances with
your health or your family's health in the public health
system and not knowing when treatment will be provided,
if in fact it will be eventually provided, or by whom,
or the choice of getting the major medical treatment
you need without delay and performed by someone who
comes recommended and qualified as a consultant, which
option would you choose?
The choice literally is yours.
There were over 760,000 hospital admissions in New
Zealand 2006 according to the health information service
I recommend a good Hospital insurance cover as opposed
to a comprehensive Hospital and GP cover. The first
reason is cost of premium. Why pay somewhere near double
the premium just to have the right to claim GP expenses
back? You still have to pay the GP on top of any additional
premium for this cover just to get a receipt to make
the claim. I have found over the last 20 of years of
selling and servicing medical insurance policies that
a lot of people tell me that they have not even bothered
to claim GP costs, even when they could have. Why?,
well they just didn't get around to it, is the most
I recommend you are better to just pay those out of
hospital-GP costs as you go. Insurance is about covering
the financial catastrophes, so as far as health insurance
is concerned this means having 100% hospital cover so
that you can afford to have the surgery you or your
family needs straight away, by someone you trust and
not have any financial concerns.
Another issue: We are living in times when new wonder
drugs are being made available. Herceptin is a classic
case. One medical insurer whose products we offer does
not limit what they cover to the Pharmac drug list.
This means that if your physician recommended a course
of herceptin (for example) would be of benefit to you
or your loved one, this company will pay for it. What
is more, the insurer cannot change that policy wording
on you, that's a guarantee in writing.
I have dealt with all sorts of claims over the last
20 years for our clients from heart bypass surgery,
heart valve surgery, and hip replacements to tonsillectomies
to name just a few procedures.
I am ready to assist you and your family make the right
decision for your medical insurance cover.
Nothing is more important than the health of you and
your family and that's why having a Hospital Health
insurance policy is a smart decision.
My team is also there to make sure any claims experience
is a positive one when you buy your health insurance
though Tobin Insurance Services. Let our experience
Health Insurance, "better to have it and not need
it, than need it and not have it."
Ill Health or lack of Health Insurance is one of the
top four reasons people go bankrupt. Source. Ministry
of Health Economic Development Insolvency & Trustee
Statistical Data 2005-2006.
Jeff Tobin CLU, ANZIIF (Snr Assoc) CIP.
Chartered Life Underwriter.
Telephone: 09-412 5997
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