Start with the questions that matter
Which treatments and diagnostics matter most to us?
What excess balances premium and affordability?
Could changing insurer create new exclusions?
Understand what the policy actually covers
Plans vary in the treatments, providers, diagnostics, medicines and non-surgical benefits they include. Some focus on major surgery and hospital treatment; others add specialist, testing, dental, optical or day-to-day benefits.
We compare the features relevant to your priorities rather than treating all medical policies as interchangeable.
Points we may review
- Surgical and hospital benefits
- Specialist consultations and diagnostic tests
- Cancer treatment and non-PHARMAC medicines where covered
- Policy excess and its effect on premium
- Benefit limits, approved providers and prior approval
- Pre-existing conditions and any exclusions
- Existing employer or family medical cover
- Options for children and dependants
Underwriting and claims matter
A new policy may exclude or restrict existing medical conditions. Replacing cover can therefore result in lost benefits, new exclusions or fresh stand-down periods. Existing insurance should not be cancelled until the new terms have been reviewed and accepted.
Medical insurance does not guarantee immediate treatment or payment of every cost. Treatment must be eligible, medically necessary where required, and meet the insurer's approval and claim rules.
Policy quality weighed alongside price.
We compare the benefits you are most likely to value and protect existing cover where a replacement could create new exclusions or lost entitlements. Price is considered alongside policy quality and underwriting terms.
Medical insurance is subject to underwriting, exclusions, excesses, benefit limits, eligible-treatment rules and prior-approval requirements.
