Insurance

Hospital and Surgery Costs in New Zealand Health care is big business, and in 2022, New Zealanders paid the price, with health spending reaching $6,061 per person and totalling NZD 46.4 billion, according to the OECD¹. The average per-day cost of a hospital stay in New Zealand can vary, but it’s estimated to be around … Read more

Southern Cross Wellbeing One vs nib Premier Business Health: Which is better? Southern Cross Wellbeing One vs nib Premier Business Health: Both offer similar group health insurance benefits, but NIB Premier Health stands out. nib Premier Business Health covers diagnostic imaging without the 6-month or related surgery limits seen in Wellbeing One. Plus, cancer treatment … Read more

What is Indexation in Life Insurance? Indexation in life insurance might sound technical, but it’s actually a simple concept once you break it down.When you choose to add indexation to your life cover, it means the amount your policy pays out can automatically increase each year – usually in line with inflation. This helps your … Read more

Best Redundancy Insurance in New Zealand and how it works Redundancy insurance pays up to $4,000 monthly for up to six months if you are made redundant. There’s a 6-month waiting period from when you start the policy – if you’re made redundant during this time, you won’t be covered. Once eligible, benefit payments begin … Read more

Asteron Life Income Protection Think of Asteron Life’s income protection as a safety net for your piggy bank! It catches you if you get too sick or hurt to work. Pretty cool, right? Here’s how it works: If something happens that stops you from doing your job – maybe you break your leg or get … Read more

Trauma Insurance vs Income Protection: What is the difference? Trauma Cover differs from Income Protection in that it pays a one-off lump sum upon diagnosis of a specified serious condition, such as cancer or a heart attack. Income Protection, on the other hand, provides ongoing monthly payments if you’re unable to work due to illness … Read more

Letter of Last Instruction: A Complete Guide to Organizing Your Final Wishes Death Notification This is a list of individuals and organisations that should be notified of your passing. It may include family members, your employer, friends, neighbours, business partners, community groups (e.g., sports clubs, church, marae, or social organisations), your lawyer, accountant, insurance adviser, … Read more

Best health insurance for pre-existing conditions Yes, you can get health insurance even if you have pre-existing medical conditions. However, in most cases, you won’t be able to claim for those conditions immediately. Many policies impose a waiting period of up to three years before pre-existing conditions are covered and some insurers may never cover … Read more