Although the New Zealand public health system is good based off global standards, it is ultimately designed for the delivery of acute or immediate care for patients. Having Health Insurance means employees can avoid long waiting times, and expensive medical bills involved in receiving urgent treatment via private healthcare facilities. The Mercer Marsh Benefits team can help you tailor a program that will have your employees covered for surgical, specialist and everyday GP cover. Having a Health scheme in place allows staff to access health professionals and treatment faster and bypass the public system, so they can return to work sooner.
Having a Group Health Insurance scheme can also provide cover for immediate family members at discounted premiums and qualifying pre-existing conditions that would normally be excluded from a personal plan.
REAL LIFE COVER EXAMPLE
Scott had a history of suffering issues with tonsillitis’s, and often found himself dependent on waiting on the public health system. Scott’s employer, a large transportation and logistics provider, entered into a group health scheme which provided pre-existing medical coverage for employees from plan inception. This coverage allowed Scott to bypass the public system and see a specialist urgently. The specialist performed a Tonsillectomy on Scott, and within a fortnight Scott was back at work with all his medical bills paid for by the health insurer.
Disclaimer: The information contained in this website provides only a general overview of subjects covered, is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Insureds should consult their insurance and legal advisors regarding specific coverage issues. All insurance coverage is subject to the terms, conditions, and exclusions of the applicable individual policies. Marsh cannot provide any assurance that insurance can be obtained for any particular client or for any particular risk.