Covering you through life - whenever you need it
Wherever you are in life, health cover helps keep your overall health on track.
We all feel a bit invincible when we’re younger. But what would happen if you needed some expensive oral surgery, like having wisdom teeth removed? Or if you needed knee surgery? Would your lifestyle take a hit if you had to pay out for these?
Having a baby can make the need for health cover even greater. Did you know that 1 in 3 couples in their thirties with a young child will claim on their policy in any given year?* You can even get your little ones covered under your policy, and if they’re under 3 months old they’re automatically accepted.
Health insurance helps to take care of the big stuff. It means you won’t have to wait for surgery and it gives you options that only the best insurers offer, like being able to choose your specialist or hospital.
What about the public health system?
The New Zealand public health system provides quality emergency care and treatment for serious medical conditions. However, waiting times for non-urgent medical conditions can often be lengthy, which can have a significant impact on lifestyle. And if your condition isn’t accident-related, ACC won’t be there to cover you.
Treatment can also be expensive. An adult without health insurance could typically pay up to $23,000 for sinus surgery, $11,000 for hernia repair, $15,000 for a mastectomy, or $43,000 for a cardiac ablation.** For most of us, these amounts are more than we could pay from our savings. That’s where health insurance comes in.
Why insure with Sovereign?
Use our handy online tools to see how little your cover could cost in just seconds
A personalised quote with the best option for you from one of our experts - no cost or commitment to buy.
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* Health Funds Association of New Zealand major medical incidence and claim rates June 2015
** Sovereign Health Claims Team, 1 July 2014 - 30 June 2015