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Arrange Your Health Insurance For New Zealand.
New Zealand has a public -private healthcare system, whereby the cost of any required treatments that can be classed as ‘accidents’ will be covered by the Accident Compensation Corporation. That’s good news… but if your treatment isn’t covered, you could face an expensive bill without the right health insurance on your side.
The New Zealand public healthcare system is provided FREE for people that qualify. Publicly funded, or subsidised healthcare includes hospital treatment, 24-hour accident and emergency clinics, prescriptions, most immunisations, outpatient hospital care and healthcare for the chronically ill and elderly.
It’s recommended that if you’re quite ill, or need emergency treatment, head directly to your public hospital for priority assistance. If your treatment isn’t quite that serious, you must go through an essential assessment process, which potentially takes weeks or even months…
Ideally, you can purchase private healthcare, allowing you to bypass waiting times and receive prompt treatment. A third of local New Zealanders have done this. Private health insurance companies are particularly useful as they cover the costs of any semi-urgent, and non-urgent, procedures.
Need To Know
If you are visiting New Zealand on holiday, or via a Working Holiday Maker Visa, be aware that the New Zealand Government has reciprocal health agreements with the United Kingdom and Australia. These agreements mean that citizens of those countries can get some essential medical treatment while visiting New Zealand. It is still advisable to have additional healthcare cover through your travel insurance while you are visiting.
You must ensure that the health insurance policy you take out covers everything you need it to. The information handed over to you when taking out a new policy is always quite dense and detailed, but you should always read through the terms and conditions of cover, also noting any excesses that may be relevant.
Premiums will vary greatly depending on your level of cover and the provider you choose, so please take advantage of our comparisons between different providers and what each can offer you.
snapshot of fees and charges:
There are generally no fees to take into consideration, as the policy that you take out will have an upfront cost with no additional expenses, unless there is a claim.
If you make a claim – refer to what your excess level is for the expected charges. Excess will vary depending on what was specified when initially taking out the cover, and the standard excess for your policy.
What To Look For:
- If you are simply following compulsory requirements… Look for the most basic cover to satisfy your visa.
- If you want additional cover while in New Zealand… Look for the best level of health insurance possible to ensure that all eventualities are covered should you, or a family
member, become ill.
- What is important to have included in your cover? Check that your situation and health is well-represented by the type of cover you take out.
- If you are price driven… It makes sense to opt for the most basic cover if you are simply fulfilling a requirement.