In the case of serious medical conditions or major surgical procedures which prevents you from working a lump sum payment or partial payment is made by the insurer. Trauma / Critical Care illness insurance allows you to focus on recovery without the stress of financial insecurity.
Some common serious medical conditions covered:
Cancer, heart attack, alzheimers, blindness, chronic kidney, liver and lung failure, dementia, intensive care, loss of limbs or speech, meningitis, stroke.
Some common major surgical procedures covered:
Coronary artery angioplasty – triple vessel, coronary artery bypass surgery, open heart surgery, major organ transplant.
Early Stage Cancer benefit:
Trauma cover includes an Early Stage Cancer benefit which will pay a minimum of $10,000 or 20% of the Trauma cover sum insured. There is also the option of Cancer cover which will pay a lump sum to help physical and financial recovery for cancer alone and also includes the early stage cancer benefit.
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A bespoke, cancer-only health cover designed to support you through the diagnosis, treatment, and recovery of cancer. The cover provides unlimited cancer-related surgery, access to specialist consultations, diagnostic imaging and tests, and both Pharmac-funded and non-Pharmac Medsafe-approved cancer chemotherapy and immunotherapy treatments.
Specialist & Diagnostic cover forms the foundation of a medical insurance policy, enabling fast access to expert care and advanced diagnostic imaging as soon as symptoms arise, without the lengthy wait times associated with the public system.
With Private Medical Insurance, you can enjoy comprehensive health cover that gives you access to private medical care, including specialist consultations, diagnostic imaging and tests, hospitalisation, and surgery— at the location and with the medical provider of your choice.