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Health Insurance

Most people insure their assets – home, vehicles and belongings.

However, their greatest asset, the ability to continue to earn, is often overlooked.

Health Cover gives you fast access to private treatment WHEN you need it making a speedy return to normal life possible.

Health insurance ensures you do not have to realise hard earned investments or cash reserves - it is in fact an investment in YOU!

What are elective services?

Elective services are non-emergency treatments (including diagnostic services), where the condition is not life-threatening and does not require immediate surgery.  The term “elective” may be misleading, as it implies that the surgery is not necessary.  But as many people will tell you, elective surgery can be vital to improving a person’s health and quality of life”

The role of health insurance

While the public system focuses on acute (emergency) services, private health insurers are able to cover the cost of many semi-urgent and non-urgent procedures.  In this way the health insurance industry complements the public health system, by ‘bridging the gap’  between what the public system can sustain and what we, the public, want for our health”

Premium ‘swings and roundabouts’.  

When you’re thinking about any kind of insurance cover, it helps to think of all your insurances collectively as a single package.  As you get older, you’ll pay more for some kinds of insurance and less for others.

For example, when you are younger, you’ll probably pay higher premiums for car and household insurance, but lower premiums for life and health insurance.  As you get older, the reverse applies, and you may even no longer need certain kinds of insurance, such as life insurance.

So while it is true that your health insurance premium is likely to increase over time, you should balance this against the savings you may make with other kinds of insurance.