New Zealand’s private health insurance market is facing continued cost pressure, with medical inflation forecast to remain well above global averages. According to Aon’s 2026 Global Medical Trend Rates Report, medical plan costs in New Zealand are projected to increase by 18% in 2026, up from an estimated 17% in 2025. By comparison, the global […]
Category Archives: Insurance
Understanding what’s behind rising health insurance costs
Health insurance premiums have been increasing this year, a trend that’s made headlines and prompted questions from policyholders. While the numbers can sound confronting, the underlying reasons tell a more balanced story. Higher costs don’t just reflect inflation; they also show more people using their cover, accessing treatment sooner, and relying on private healthcare to […]
Health insurance for kids: what to consider
In New Zealand, we’re fortunate to have a generally strong public health system. Emergency care is free and of a high standard. If your child needs urgent treatment, they’ll be looked after. Children under 14 are also entitled to free GP visits, free prescriptions, and funded routine vaccinations. But when it comes to non-urgent care […]
Do you need health insurance if you have public healthcare?
New Zealand’s public healthcare system provides essential medical services for eligible residents, including free hospital care for emergencies and serious conditions. But while it’s a solid foundation, it may not always meet every healthcare need — especially when it comes to timing, treatment options, or access to non-urgent care. That’s where private health insurance can […]
Emergency funds and income protection: Your financial safety net
Life can throw unexpected challenges your way, and having a financial safety net in place can help you navigate these times with less financial stress. Combining an emergency fund with income protection insurance can be a solid strategy for safeguarding your financial wellbeing, offering both short- and long-term protection. Why an emergency fund is essential […]
Smart ways to keep health cover costs down
Health insurance is an important part of financial security, helping to cover medical costs when needed. However, premiums can be a significant expense. While reducing costs is possible, it’s essential to ensure you’re not compromising necessary coverage. Here are some general strategies that may help lower health insurance premiums while maintaining adequate protection. Compare plans […]
Navigating personal insurance with an adviser
When it comes to protecting your financial future, personal insurance plays a vital role. Whether it’s health, life, income protection, or trauma cover, the right cover can provide security and peace of mind. Sometimes, understanding which policies are right for you can be complex, which is where having an insurance adviser by your side can […]
The importance of income protection insurance
Why should you consider income protection? Well, let’s start with this: New Zealand’s standard paid sick leave is ten days per year, after you have been employed by your employer for six months, accumulating to a maximum of 20 days in two years. So, how would you cope financially if illness or injury prevented you from […]
Understanding insurance options for cancer
Cancer might feel like a distant concern for some, but for many New Zealanders, it becomes a reality. While New Zealand’s public healthcare system provides essential cancer treatment, it may have limitations in terms of longer waiting times, access to certain treatments in private facilities, and choice of specialist healthcare providers. To safeguard your financial […]
Health and trauma insurance: What’s the difference?
You’re likely familiar with health insurance, and you might have come across trauma insurance as well. But are you aware of the differences between the two? Both are designed to provide support during times of illness, but they operate in different ways. Depending on your circumstances, having both could be advantageous. So, let’s delve into […]