Medical Insurance

Your health and the health of your loved ones is possibly the most important asset to look after.  Without your health your lifestyle will be impacted. If you cannot work it becomes harder to look after the ones you love. Having a sick child or partner is not only an emotional hardship but a financial one too.

Here in New Zealand we are lucky to have a great national health service that in times of immediate need they are there for us. But with budget cuts we can also experience delays in treatment or surgery for conditions that are non-urgent.

We never know what is around the corner and your condition or injury may reduce your quality of life whilst waiting for elective surgery. Let me help you cut down on the time spent waiting. We will design a package to fit you and your family’s needs, so you can get on with your life.

Trauma Cover

We cannot predict something like cancer, a heart attack, stroke or a head injury, but we can take steps to ensure if you or a loved one suffers a traumatic or critical event, you have Trauma Cover (also known as critical illness cover) to take care of the financial impact in the short term. A lump sum could be paid out so you can recoup and recover without the worry or stress.

Recovering from a serious illness, injury or medical procedure takes time. Trauma Recovery Insurance provides you with a lump sum payment to help financially while you recover. It can cover around 45 medical events, conditions and surgical procedures including many types of cancer, heart attack and stroke.

Most people use Trauma Recovery Insurance to:

• Pay for their spouse or family member to take time off work, so they can provide support and care at home
• Pay for additional or alternative treatments that may not be covered by the New Zealand health system or health insurance
• Cover additional expenses such as childcare and travel to medical appointments
• Reduce debt such as mortgage or credit card payments
• Take time off work to rest and recover – often choosing to work reduced hours
• Aid recovery by treating themselves to something that makes them happy, such as going on a family holiday

Income Protection Insurance

Your ability to earn an income is a valuable asset no matter how much you make. Have you thought about if you lose or reduce your income due to illness or injury? Having an ongoing income shouldn’t be something you need to worry about.

Income Protection cover can help you replace a portion of your income and helps you meet your financial commitments if you’re unable to work because of illness or injury. We never know what life is going to throw at us. We can work with you to find the best solution to protect your income and make sure the solutions best fit you and your circumstances.  When ‘life happens’ this insurance will enable you to make choices that are important to you and your family.