Personal insurance advice: Operating under IFO Peace of Mind Advice Limited.
What we can explore
- What the policy does and does not cover
- Premiums, excesses and claims conditions
- How current cover fits your circumstances
- Questions to ask before making changes
Questions you may have
What does private health insurance typically cover in New Zealand?
Depending on the product, it may help fund eligible private surgery, specialist consultations, diagnostic tests or certain treatments. Benefits, limits and exclusions differ, so the right comparison starts with what matters to you.
What happens if I have a pre-existing medical condition?
Insurers may apply an exclusion, a waiting period, special terms or other underwriting decisions. It is worth disclosing medical information completely and understanding exactly how any existing conditions are treated.
Can I change health insurers without losing existing benefits?
A switch can affect cover for existing conditions, waiting periods and limits. Some transfer arrangements may be offered subject to criteria, but do not cancel an existing policy until replacement terms have been confirmed and understood.
How do excesses and premium options affect cost?
A higher excess can sometimes reduce regular premiums, while a lower excess can mean paying less at claim time. Compare the total cost you could face, not just the monthly premium, alongside the benefits you are purchasing.
How we work
We begin by understanding your needs and existing protection. Sharleen explains relevant options through the advice process operating under IFO Peace of Mind Advice Limited.
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