Your health is the most important asset you will ever own. It determines whether you can work and is a massive factor in your lifestyle and relationships. This being so, it’s worth protecting as much as you can.
There is no doubt that our public health system is struggling. The news is filled with articles on staff shortages, long wait times and cancelled operations. While we are still fortunate compared to other parts of the world, an overburdened public health system negatively affects Kiwis’ long-term health. It’s time to rethink private health insurance; rather than a luxury for people who want an elevated care experience, it’s necessary to ensure you get prompt and appropriate treatment when you need it.
Health Insurance gets you diagnosed and treated sooner
Specialists such as oncologists, gynaecologists, cardiologists, and neurologists are often necessary to discover or confirm an initial diagnosis and provide a pathway to treatment. So, it’s no surprise that there is a huge demand for their services, and public wait times can be long. With health insurance, you can avoid the long public wait times and get diagnosed and treated sooner. When you know something is wrong, getting specialist consultations and diagnostic tests done early means far less stress and improves your chances of a good outcome.
Health insurance gives you access to more treatment options
Publicly funded medications and treatments are determined by the government agency Pharmac. They make decisions based on their budget and deciding priorities. This means you could find yourself with a severe illness that could be cured or managed by medication, but Pharmac does not cover it. Thankfully, there are health insurance policies available that will give you access to unfunded treatments.
Health insurance gives you quality care
Being made more comfortable when you’re unwell can help your state of mind and recovery. Private health care can give you access to comfortable and modern private hospitals, treatment facilities, and a private room if you’re admitted.
Health insurance can help maintain good health
Many insurance companies offer preventative care benefits, such as health checks, financial incentives for healthy activities and discounts with healthcare providers. All these things help to reduce health risks or to catch an issue early, reducing the likelihood of chronic or fatal illness.
At Building on Basics, we can recommend health insurance providers and plans to suit your circumstances. We then manage the application process for you and support you in the claims process should you need to do so. As your life progresses, we offer regular reviews of your health insurance cover to ensure it’s still fit for purpose. If you’d like expert help to get your health insurance sorted, book a time online, call 029 973 7911 or email elise@bob.kiwi.nz.