Online Insurance for Kiwis

Why Do You Need Medical Insurance!

Insurance provided by Sovereign

Example Costs of Treatment:

  • Hip Replacement $18,000 to $30,000
  • Angioplasty $16,000 to $26,000
  • Prostate Brachytherapy $28,000 to $30,000
  • Source: Sovereign Health Insurance
    Sovereign Claims Team 2013.

The public hospitals continue to stumble from one funding crisis to the next. As a result the waiting lists lengthen and increasing numbers of Kiwis are being advised that they no longer qualify for elective surgery in a public hospital and are being removed from waiting lists.

The Ministry of Health advised (April 2006), that for those still on waiting lists in the public system:

  • Over 19,000 patients were waiting for more than 6 months for a first specialist appointment, and
  • Over 8,000 patients were waiting more than 6 months for treatment.

In 2005 an estimated 260,000 surgical procedures were paid by medical insurers. They paid out $630,000,000 in claim refunds for clients. These clients did not have to wait, and could choose the Surgeon and Hospital, and the time for their treatment.

While Medical Insurance costs continue to increase each year reflecting an underlying medical inflation of 7-9%, due to increasing specialist, equipment and hospital costs, more Kiwis are seeking medical insurance to provide surety. The biggest increase is in the demand for hospital plans and a move from the more expensive comprehensive plans. Sovereign'ss Private Health plan provides the best of both with the optional Specialist and Diagnostic Testing benefit.

Why take the risk–it could be cheaper than you think! Get a quote now.

Sovereign provides affordable protection against the medical costs that really count–surgery and hospital bills.

How long can you afford to wait?

You want to know that you'll receive the right treatment when you need it, where you need it and with the specialist of your choice, if you become ill or require elective surgery. In the New Zealand public health system there are currently waiting lists for elective surgery (depending on your condition), queues to see specialists and even queues to obtain Diagnostic Testing. If you, or someone in your family needed major surgery through the public health system, you might have to join the queue of thousands who are waiting for surgery today. These problems continue to grow as the Public Health System continues to grapple with rising costs and dwindling budgets. (Source: NZ Health Information Service).

The sensible solution

Sovereign Health Insurance makes sense because it helps to give you peace of mind. It helps to give you access to the very best medical care at a time that suits you, and in the private hospital of your choice.

The best medical care, where and when it suits you

If you, or a member or your family, require surgery or medical treatment, Sovereign Private Health gives you the freedom to select the best specialists and the best hospitals, and it generally ensures that you avoid a huge waiting list to receive essential treatment. This gives you greater certainty about the most important thing we need to protect–our health.

With Sovereign Private Health you will receive 100% reimbursement of covered reasonable charges up to the limits shown on the policy document.

Simple prior approval service

Sovereign provides an exceptional claims service. You can apply for approval for your proposed treatment in advance and, if approved and covered by the plan, Sovereign will arrange payment directly with the health providers. You have the certainty of knowing, before the treatment commences, whether the claim will be paid in full.