Health is one of the most valuable assets you have. Protecting it with the right health insurance plan is crucial. Health insurance provides peace of mind, knowing that if you or your family face unexpected medical expenses, you’re covered. But with so many options on the market, it can be challenging to know which plan is best suited for your needs.
At Mortgage and Insurance New Zealand, Andre Stokes has been helping Kiwis secure tailored health insurance plans for over two decades. Here’s a breakdown of why having good health insurance is essential and how Andre can help you find the perfect plan.
Why Health Insurance is Important
Health insurance is designed to cover medical expenses, from doctor visits to surgeries, and even hospital stays. While New Zealand has a robust public healthcare system, there are often long waiting lists for elective surgeries and specialist treatments. Private health insurance ensures that you have quicker access to care and a wider choice of specialists and hospitals.
Without health insurance, you could be facing expensive out-of-pocket costs for treatments, surgeries, or prescriptions. With the right cover, these financial burdens are alleviated, giving you peace of mind.
Key Types of Insurance to Consider
There are various types of health insurance plans available, and it’s essential to understand which ones suit your needs. Here are the most common types of health insurance you might want to consider:
1. Comprehensive Health Insurance
Comprehensive health insurance covers a wide range of medical treatments and procedures, including GP visits, specialist consultations, hospitalisation, and surgeries. This type of insurance gives you full coverage for most medical expenses and offers peace of mind knowing that you’re protected in case of serious illness or injury.
2. Surgical and Hospital Cover
Surgical and hospital cover focuses specifically on more significant medical expenses, such as surgeries and hospital admissions. It doesn’t typically cover GP visits or prescriptions but will help you pay for any major health issues that require hospital treatment.
3. Specialist and Diagnostic Cover
This type of health insurance is tailored for people who need regular specialist consultations or diagnostic tests, such as X-rays or MRIs. It ensures that you can quickly access the care you need without being placed on long waiting lists.
4. GP Cover
Some health insurance policies offer cover for GP visits. While not as comprehensive as other policies, GP cover can help offset the costs of regular doctor’s appointments and prescriptions, making healthcare more affordable for everyday needs.
Why You Should Choose Andre Stokes for Your Insurance Needs
Navigating the insurance market can be daunting. With so many providers and policy options, it’s easy to feel overwhelmed. That’s where Andre Stokes, from Mortgage and Insurance New Zealand, comes in. With over 24 years of experience, Andre understands the unique needs of New Zealanders and can help you find the best health insurance plan for your situation.
1. Personalised Service
Every person has different health needs, and Andre ensures that your insurance policy reflects those needs. Whether you’re a young professional, starting a family, or approaching retirement, Andre will tailor a plan that works best for your circumstances.
2. Access to Multiple Providers
Andre works with a wide range of health insurance providers across New Zealand. This means he can compare plans from various insurers to ensure you get the best deal. Instead of spending hours researching yourself, you can trust Andre to find you comprehensive cover at an affordable price.
3. Expert Knowledge
With decades of experience in the insurance industry, Andre knows the ins and outs of health insurance policies. He can explain the fine print, help you understand what is and isn’t covered, and make sure you avoid unnecessary extras while securing essential coverage.
4. Ongoing Support
Health needs change over time, and so should your health insurance. Whether you need to update your policy due to a change in lifestyle or have questions about a claim, Andre is always available to provide ongoing support and advice.
How Health Insurance Can Benefit You
Health insurance isn’t just about being covered in case of emergencies. There are numerous other benefits that come with having a good health insurance policy:
1. Faster Access to Treatment
Public healthcare in New Zealand is great, but it often involves long waiting lists for non-urgent treatments. With private health insurance, you can skip the queue and access the care you need when you need it.
2. More Choice of Specialists
Health insurance gives you the flexibility to choose your specialist or surgeon, allowing you to select the healthcare professionals who are best suited to your needs.
3. Covers Expensive Treatments
Some medical treatments can be costly, especially if you need ongoing specialist care or surgeries. Health insurance ensures that you’re not left footing the bill for these expensive procedures.
4. Peace of Mind
Knowing that you and your family are protected from unexpected health expenses allows you to focus on what matters most—your well-being and quality of life.
Tailored Health Insurance Solutions for Every Stage of Life
Your health insurance needs will change as you go through different stages of life. Andre Stokes understands this and works with you to ensure that your policy grows and evolves alongside your life.
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- Young Professionals: As a young adult, you may not think you need health insurance. But having a plan in place can protect you from unexpected accidents or illness that could leave you with hefty medical bills.
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- Families: Once you start a family, having comprehensive health insurance becomes even more critical. Andre can help you find family health insurance policies that cover maternity, paediatric care, and everything in between.
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- Retirees: As you get older, your health needs will change. Andre can help you secure a policy that provides cover for specialist care and treatments commonly needed later in life.
Get a Free Health Insurance Review Today
Health is your most valuable asset, and protecting it should be a priority. If you’re unsure whether you have the right health insurance in place, don’t worry—Andre Stokes is here to help.
Contact Andre at Mortgage and Insurance New Zealand for a free health insurance review. Andre will assess your current policy, identify any gaps, and help you find the best insurance plan to protect your health and financial future.
