Thinking About Your Health
Thinking About Your Health...........
When baby arrives, your health suddenly seems a lot more important
When you’re starting a family, it’s quite natural to start thinking more about your health and wellbeing and how you’ll keep your children healthy.
Health insurance can mean avoiding public waiting lists
For non-emergency treatment, such as getting grommets for your child (for recurring ear infections), health insurance can help you and your family get the treatment you need. That means you can get back to your normal lifestyle as quickly as possible
Health insurance protects your budget
Elective surgery can be very expensive. It’s not the sort of thing young families can normally afford. That’s why it pays to think about health insurance for you and your children. In the busy whirl of family life, there’ll be one less thing to worry about.
When to get health insurance for your baby
As soon as your baby is born you can add him/her to either parent’s policy.
If you don’t already have health insurance, you can take out a policy for you and your baby at the same time. Your baby will need to be on the same policy as one of its parents.
Managing the cost of cover
The cost of your health insurance will depend on things like how many people are included, what it covers and the excess (if any). You should shop around, because some insurers are more family-friendly than others. For example, with Southern Cross you’ll only pay for the first two children on your policy – the rest are free. A child is under 21 years old.
What to look for when choosing a health insurer
You need to be confident that when the time comes to use your health insurance, your claim will dealt with promptly and efficiently.
Here are some things to consider.
What is the insurer’s reputation for paying out claims?
How good is its customer service?
How long has it been in business?
How financially strong is it?
Tips
Talk to your friends. Find out who they are insured with and what their experience with that insurer has been like.
Call Southern Cross on 0800 100 777, visit southerncross.co.nz/society
