The purpose of Medical Insurance is to avoid public waiting lists and to receive the best medical treatment when and where you need it. In emergency scenarios, such as a car accident, the New Zealand public healthcare system typically does a good job. However, medical treatment in the public system regularly involves long and arduous waiting lists for non-urgent situations.
With Medical Insurance, you can access treatment in a private hospital, and your insurance company will either reimburse you or pay the health provider directly. This means that you won’t need to join a public hospital waiting list, and it also usually means that you have a wider range of treatment options, hospitals, and medical specialists available to you.
We understand that talking about insurance isn’t always pleasant, but that’s where The Mortgage Advice Company can help you reduce medical costs, and make health care more affordable and more accessible.
In cahoots, we’ll…
- Help work out what Medical Insurance cover you need.
- Find the best Medical Insurance policy that best suits you and your circumstance.
Why choose The Mortgage Advice Company?
Knowledge
We’re a wealth of knowledge on all aspects of insurance and preparedness. We’ll offer professional advice to ensure you have the right cover.
Independent
We’re completely independent of any insurance company. We work for you and our recommendations are always in your best interests.
Advocacy
We’re here to ensure that you receive fair and prompt payment, to get you back to normal. In a dispute, we’ll act as your advocate.
Insurance FAQs
A few of the common questions we help clients with when they’re reviewing options, comparing structures, or planning their next move.
For many households, yes. Life cover can help repay some or all of a mortgage so your family is not left carrying the full debt if something happens to you.
Mortgage repayment cover is designed to help with loan repayments if you cannot work due to illness or injury. Life insurance generally pays on death or terminal illness.
They solve different risks, and many clients use a combination.
The right amount depends on your loan size, household expenses, dependants, income stability, and how long you want support to last.
We help calculate a level of cover that is practical and affordable.
Often yes. Terms vary by insurer and medical history. You may receive standard terms, exclusions, or loadings depending on underwriting.
We help present your application clearly and compare insurer responses.
Yes. Cover should be reviewed whenever your debt, income, family situation, or goals change.
Regular reviews help make sure your cover still matches your real-world risks.
Yes. We compare providers, policy terms, waiting periods, benefit definitions, and pricing to help you choose suitable cover, not just the cheapest premium.
Ready for peace of mind health care?