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Cancer Care Benefit
This is a “bespoke” cancer-only health cover that takes care of medical expenses associated with the diagnosis, treatment and recovery of cancer only.
Cancer Cover includes unlimited Cancer Surgery, access to specialist consultations, diagnostic imaging and tests and Pharmac and non-Pharmac Medsafe indicated cancer chemotherapy and immunotherapy drugs.
Cancer Cover benefits:
- $500,000 per policy year for treatments and procedures, consultations, tests and diagnostic imaging, including the cost of Pharmac and non-Pharmac subsidised Medsafe indicated cancer chemotherapy drugs.
- Cancer diagnostics: $5,000 per policy year
- Post-cancer treatment care and support. $1,000 per policy year.
- Public hospital cancer treatment benefit. $5,000 per lifetime
- Palliative and respite care. $1,500 per lifetime.
- Overseas Treatment*
Voluntary treatment in Australia covers the costs of approved treatment, procedures, consultations, tests, diagnostic imaging, support, or care at an approved health facility. (100% of the reasonable charges payable in NZ).
Voluntary treatment overseas (other than Australia) (85% of the reasonable charges payable in NZ).
Treatment overseas not available in New Zealand. Covers costs for a medically necessary treatment or procedure recommended by an approved specialist. ($30,000 per policy year)
Why Cancer-Specific Cover?
Standard health insurance often has gaps, particularly for non-medical costs or "non-Pharmac" (non-subsidised) drugs. A specific Cancer Care or Trauma benefit fills those gaps by providing a range of support:
- Access to Leading Treatments: Fund advanced medications, immunotherapy, or clinical trials that may not be covered by standard plans
- Immediate Financial Relief: Use the payout for immediate needs—mortgage payments, childcare, or travel for specialist appointments.
- Flexibility in Care: Choice matters. Use your benefit to seek second opinions from global experts or to fund private home-nursing care.
What is Typically Covered?
Most policies provide a payout for a wide range of "Life-Threatening" cancers. This typically includes:
- Malignant tumours (e.g., Lung, Breast, Bowel)
- Leukaemia and Lymphoma
- Malignant Melanomas
Support Beyond the Payout
Many modern Cancer Care benefits include "Value-Add" services that provide holistic support:
- Medical Concierge: Assistance in navigating the healthcare system and finding specialists.
- Psychological Support: Counselling sessions for both you and your immediate family.
- Recovery Grants: Additional small payments for diagnostic tests or prosthetic devices.
The Reality: One in two people will face a cancer diagnosis in their lifetime. Cancer Care ensures that when the unexpected happens, you have the resources to fight back with everything you've got.
More Medical Insurance Options
