Hi there,

Listen, we’ve got nothing against health insurance sales people who act in their clients’ best interests. But we all know that the insurance industry attracts its fair share of dodgy dealers who can taste the commission in their mouths as soon as they receive your contact details.  It’s true.

We’re different.

Our independence means we don’t really care (financially) which health insurance quote you end up accepting, or even if you accept our quote at all!  That’s because our REAL concern is to…

Understand your situation (the first step involves you providing us with some basic information).
Research the best deal for you from the main health insurance companies
Present you with options that suit your situation along with our own common-sense recommendations

It’s simple.

Our job is to provide, your job is to decide. We see ourselves as being in the ‘fact finding’ business not in the sales business.

In fact, what you do with the health insurance options and our recommendation is none of our business!  Of course we want to organise it all for you, that’s how we get paid.  But if that does happen, it will be because it’s the best, safest and easiest thing to do – not because we’ve pressured you to do it.

Our NO-HARD-SELL Policy:

“We promise to provide you with timely, independent health
insurance quotes and recommendations that suit your situation.
At all times in our dealings with you, we promise to listen and
put you in control of the process and any decisions at all times.”

So, are you ready to take the first step?  It’s easy.  Just fill in the form below and we’ll be in touch real fast.  Remember, you are under absolutely no obligation.  We promise.

We’ll keep your information completely confidential. It will only be used for the purposes of sending you your no-obligation health insurance quote.

]]> http://healthinsurancequote.org.nz/health-insurance-quote-nohardsell/feed 0 http://healthinsurancequote.org.nz/get-a-health-insurance-quote http://healthinsurancequote.org.nz/get-a-health-insurance-quote#comments Sun, 08 Feb 2009 07:18:17 +0000 admin http://healthinsurancequote.org.nz/?p=198 A Fast Health Insurance Quote
[From An Independent & Expert Team]

Hello again.

Go ahead and scroll down to the form below to get a health insurance quote that fits your situation. We’ll research all of the five main health insurance providers on your behalf (saving you the pain of having to deal with pushy insurance salesmen). Next we provide you with some options and our recommendations for you to consider. By the way, our recommendations always come with reasons that make complete sense.

Remember, our service is free.

Our Independence Protects You

We’re independent and safe to deal with. We don’t promote just one or two health insurance providers. We have access to them all so you know the only barrow we’re pushing…is yours. But the important thing is that the option you decide on (if any) will be determined by what you think is best based on your budget and circumstances. Make sense?

Zero Hard-Sell

You’ll love our Zero Hard-Sell philosophy which means you (not us) get to decide the best option based on the facts and our recommendations. You see, our job is really simple. First we need to understand your situation, and secondly our job is to do our research then send you the facts – fast.

And that’s what we do.

So, ready to get started? It’s easy. Just complete the form below and we’ll be in touch real fast. Remember, you are under absolutely no obligation. We promise. Whether you choose to go ahead with anything we recommend is none of our business.

We’ll keep your information completely confidential. It will only be used for
the purposes of sending you your no-obligation health insurance quote

]]> http://healthinsurancequote.org.nz/get-a-health-insurance-quote/feed 0 http://healthinsurancequote.org.nz/health-insurance-quotes-top5 http://healthinsurancequote.org.nz/health-insurance-quotes-top5#comments Sun, 08 Feb 2009 00:47:12 +0000 admin http://healthinsurancequote.org.nz/?p=135 Top 5 NZ Health Insurance Companies

We supply health insurance quotes from the top 5 health insurers in New Zealand.  They are Sovereign Insurance, ING Life, Southern Cross Healthcare, AIG Life and Tower Insurance.

All of these organisations have a long history of providing a good service to New Zealand customers and are well known.  You can read more about each one below.

When you request a health insurance quote from us, we’ll provide you with details from all 5 health insurance companies including the premium amounts.  All you need to do is fill in the form and leave the rest to us.

Remember our service is free, independent and no-obligation.  Go ahead and learn more about how we’re different from the crowd including our “no hard-sell” policy, and how we’re the perfect people to save you time, stress and money with health insurance.

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Southern Cross Healthcare

As one of NZ’s best known and trusted brands, Southern Cross Healthcare offers a wide range of health-related services to over 100 thousand New Zealand families.

The health insurance part of the organization is Southern Cross Medical Care Society. It is a not-not-for-profit Friendly Society, and has been set up for the benefit of its members.

Southern Cross Medical Care Society has a strong financial position. International rating agency Standard & Poor’s (Australia) Pty Limited affirmed its insurer financial strength rating for Southern Cross as A+ (strong) on 21 February 2007.

As a market leader for over 40 years, the organization processes over 500,000 claims every 12 months.

Through insurance brokers nationwide, Southern Cross offers a Health Insurance product called VIP. They also distribute Wellbeing cover which is an almost identical policy to VIP (we are happy to discuss the differences when we send your quote). Southern Cross reimburses reasonable changes (as defined in the policy) up to policy maximums. For major surgery cover is provided up to $75,000. A range of excesses are available.

The product also allows for optional inclusion of a Specialist and Diagnostic testing benefit (VIP2) with no excess.

Southern Cross has preferred arrangements with a range of medical providers and other health services to ensure value for money. Their network of surgeons and specialists help achieve lower overall claim costs.

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Tower Insurance

has a long history in New Zealand. They have been helping New Zealanders protect and grow the things they value for over 135 years. Tower provides comprehensive and innovative insurance, superannuation, savings and investment, trusts and asset management products and services through businesses in New Zealand and the Pacific Islands.

Tower’s investment business has NZ$5 billion funds under management and advice (as at 30 September 2007).

The main Tower Health Insurance product is called Premier Health and it provides 100% reimbursement of reasonable changes (as defined in the policy) up to policy maximums. For major surgery cover is provided up to $300,000. A range of excesses is available. The product also allows for optional inclusion of a Specialist and Diagnostic testing benefit with no excess.

Tower also has a product known as Easy Health which is virtually an automatic acceptance but with no pre-existing conditions covered at all and all claims underwritten at claim time. After 3 years the policy will allow some conditions to be covered that were known at the time the policy was issued, however, a number of conditions will never be covered.

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ING Life

ING has a philosophy to give clients what they expect to receive where possible. Once a policy is issued they do not alter the terms at a later date.

When combined with other Life insurance benefits you will receive a discount on your Major Medical premium.

ING health insurance offers benefits that aren’t generally offered by other health insurers, in particular; Pharmaceutical cover.

100% reimbursement of reasonable changes (as defined in the policy) up to policy maximums. For major surgery cover is provided up to $200,000. A range of excesses are available.

Drug treatment costs for major illnesses and diseases, such as cancer, are covered – whether or not they’re subsidised by Pharmac (the government drug governing body), provided the drugs are Medsafe approved.

ING pay for medical treatments by alternative medical providers such as naturopaths, homeopaths and acupuncturists. Health Insurance cover is also offered if the clients are in Australia (even if they are there indefinitely) up to the NZ equivalent costs for the same procedure.

The product also allows for optional inclusion of a Specialist and Diagnostic testing benefit with a minimum $250 excess.

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Soverign Insurance

Sovereign has an “A+ (Superior)” claims paying rating, assigned by AM Best Company, Inc of New Jersey USA.(28 December 2007).

Each month Sovereign pay out an average of $2.7 million in health insurance claims. On average, 95% of claims are approved.

Sovereign is the leading life insurer in New Zealand, providing personal and business life insurance, health insurance, home loan, investment and superannuation products to more than 650,000 customers

Sovereign’s Health Insurance product is called Absolute Health and it provides 100% reimbursement of reasonable changes (as defined in the policy) up to policy maximums. For major surgery cover is provided up to $250,000. A range of excesses are available although they do differ slightly from other insurers.

Their product also allows for optional inclusion of a Specialist and Diagnostic testing benefit with no excess.

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AIG Life

For Superior Health and Superior 3 Health, AIG Life has received an ‘A+’ rating, as well as improved ratings for Trauma.

Since the company arrived in New Zealand in 1982, AIG have consistently provided the market with innovative personal and business insurance products that suit the kiwi way of life. Today they are a market leader, offering a complete range of risk management products.

AIG’s product is called Superior Health and it provides 100% reimbursement of reasonable changes (as defined in the policy) up to policy maximums. For major surgery cover is provided up to $200,000. A range of excesses is available.

The product also allows for optional inclusion of a Specialist and Diagnostic testing benefit with the same excess as taken for the base Hospital and Surgical cover. AIG also provides a policy known as Superior 3 Health which does not include any pre-existing conditions but allows for the consideration of some conditions after 3 years.

]]> http://healthinsurancequote.org.nz/health-insurance-quotes-top5/feed 0 http://healthinsurancequote.org.nz/health-insurance-quote-faq http://healthinsurancequote.org.nz/health-insurance-quote-faq#comments Sun, 08 Feb 2009 00:43:56 +0000 admin http://healthinsurancequote.org.nz/?p=132 Frequently Asked Questions

The answers to the Frequently Asked Questions about health insurance below are based on our best intentions at the time of writing. They must not be relied on in isolation for any decisions you may reach regarding health insurance. Always make independent enquiries or discuss any questions or concerns with your authorised Insurance Broker.

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How does your Health Insurance service work?

It’s easy. Simply send us some basic information by completing the short form on this site. Next we go to work and research the top five health insurance companies in NZ on your behalf. These include AIG Life, Southern Cross, ING Life, Tower & Sovereign. Then, we’ll send you a detailed email report, outlining each health insurance quote. We also make common-sense recommendations based on your needs including the premium to pay and the type of cover required.

Get Free Quote Now

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Why is your Health Insurance service free?

If we provide you with a free quote, and you end up accepting our help to put a policy in place, we’ll get paid by the health insurance company. In the same way that that Mortgage Brokers get paid by the banks, we get paid by the health insurance companies.

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I don’t want to be pressured into buying Health Insurance. Is your company ‘hard-sell’?

Absolutely not! Our job is to provide you with the facts, your job is to decide. We see ourselves as being in the ‘fact finding’ business not in the sales business.

In fact, what you do with the health insurance options and our recommendation is none of our business! Of course we want to organise it all for you, that’s how we get paid. But if that does happen, it will be because it’s the best, safest and easiest thing to do – not because we’ve pressured you to do it.

Learn more about our “No-Hard-Sell Policy”.

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How are you different from other Health Insurance providers?

We are a New Zealand operated business with over 15 years experience in the Health Insurance Industry. We provide an independent and free service by shopping around on your behalf for the best deal based on your situation. You’re in control and get to make any decisions giving you better peace of mind and removing any risk.

Note: Our recommendations are NEVER made on the basis of the amount of commissions we may receive from an insurer. They are based on what we believe is the best value for you, based on your circumstances.

Learn more about us.

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Who are the main Health Insurance companies in New Zealand?

There are five dominant and highly reputable Health Insurance companies (insurers). These five insurers between them provide nearly all of the health insurance cover in New Zealand. They are Southern Cross Healthcare, Sovereign Insurance, AIG Life, Tower Insurance and ING Life. Southern Cross is a society owned by its members and the others are large Corporates, some multi-national.

Learn more about the top  5 health insurance companies.

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Can they all be relied on, financially, to pay Health Insurance claims?

By insuring with one of the big 5 you can be confident you are dealing with a Health Insurance company that can meet their obligations.

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What type of Health Insurance cover is recommended?

All policies cover Hospital and Surgery costs as standard but most people add the specialists and diagnostic testing benefit as many claims can be considered under that benefit. Tower and Southern Cross can offer additional options for dental, glasses and GP costs but these are not popular options given their high premiums.

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Who does Consumer NZ consider a good Health Insurance option?

The Consumer Magazine publishes regular recommendations. Their latest recommendations (based on an excess of $250/$300 and cover for Hospital, Surgical, Specialists and Diagnostic tests) were;

• Young family; ING and Sovereign
• Couple in 40’s; Sovereign, ING and Southern Cross
• Young woman; Southern Cross, Sovereign and ING

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What about their Health Insurance Customer Service levels?

All Health Insurance companies (insurers) provide good levels of customer service however based on feedback from Health Insurance Brokers we have spoken to, Sovereign and Southern Cross are consistently rated very highly by their clients for the commitment to handling claims.

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Do Health Insurance companies pay for non-government (Pharmac) funded treatments?

ING are the only main Health Insurance provider to state categorically that they include cover for non Pharmac funded, but Medsafe approved, treatments as a standard part of its major medical cover, this includes about 2000 treatments including Herceptin for 12 months if recommended as appropriate by your specialist, they have just paid their first claim recently. Other insurers take it on case by case basis.

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What if I have pre-existing Health Insurance conditions?

Generally, pre-existing conditions will be excluded unless the Health Insurance company (insurer) can determine there is no likelihood of a re-occurrence. On some occasions a premium loading may be offered. If you have a condition requiring ongoing treatment, or is not diagnosed at the time of application, then cover for that will be excluded. There are policy types available for exclusions for the first 3 years and then it may be covered after that but it does depends on the nature of the condition.

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Do I pay more to buy the same Health Insurance policies through you?

No. In fact most of the health insurance companies only distribute through brokers (Southern Cross is the main exception as they do sell directly).

A ‘No-Hard-Sell’ Health Insurance Quote