Evergreen Life - Medical Insurance
Save yourself months on the public health waiting list, and get yourself back to work sooner.
The waiting list is not somewhere you want to be, particularly if you need to take time off work. According to an international survey of GPs, New Zealand has the highest proportion of patients facing long delays for elective surgery or hospital care.
If you needed surgery today, would you be able to pay upfront for private surgery? Or would you be willing to wait, and maybe have to take time off work, for treatment in a public hospital?
We usually recommend a medical policy tailored to give you 100% cover for hospital, surgical, specialist consultations and tests.
How to waste your money on medical insurance?
Some medical insurance plans can be a waste of money, yet people like them because they don't seem to cost much, and they give us a false sense of security.
Excess Options - how much you pay
Most insurance providers offer an option for you to pay an excess - in other words, you pay up to a certain amount of the bill before the insurance pays the rest.
The higher your excess, the lower your premium. It's a trade-off between long-term, ongoing, predictable costs (your premiums) and short-term, one-off, unpredictable costs (your excess).
Excess options vary between companies and allow you to keep the cost of your premium down. Look out for limits and maximums