Protect Your Health
There are a number of things to consider when it comes to life when you are less than healthy such as
- How to pay the bills
- Who will run my business while I get better
- How long will work pay me for?
- What is it going to cost me for medical treatment?
We provide a range of insurances to protect you in these circumstances, including:
- Health insurance (anchor to top to sub heading for that insurance)
- Trauma insurance (anchor to top to sub heading for that insurance)
- Income protection insurance
- Mortgage protection insurance
Do we really need health insurance?
Hopefully not! BUT if you are one of the 15% of adult Kiwis who ends up in hospital each year, do you want to have choices as to when you get care and where you are looked after WITHOUT the worry of paying the bill?
Health insurance should help you to cover the “big ticket” costs! Click here to see the actual costs of medical treatments. Do you have the money on hand to cover these costs today? This is where health insurance helps to get you back on your feet enjoying your life and earning a living.
Is your health insurance going to deliver the goods when it really counts? Do you need to pay high premiums for a policy that will reimburse you for going to the GP?
If you only go to your GP once or twice a year then the extra you are paying in premiums may not be providing good value for money.
Does this cover me for 100% of the cost?
Can I afford an excess?
What excess options are available and if I choose an excess, how does it work?
Will my health insurance cover non-pharmac drugs? Will it cover oncology treatments?
What if I have existing conditions?
If you have existing health insurance in place and you have developed health conditions since putting it in place, it may be that switching to a new health insurance provider with higher limits and/ or lower premiums is not the best move. Those conditions may be excluded from your new policy. Ask questions – understand the exclusions – are they reviewable – how significant are they? Taylor Made can help you to make the right decision.