Do you need health insurance in New Zealand’s health-care system? Why it's an investment worth making

Health insurance should be in the front seat when we plan our finances. Healthcare costs are rising, and having a robust health insurance policy is more important than ever for long-term well-being and financial stability.

Health insurance is a financial safety net when medical emergencies strike. It covers a portion of your healthcare costs, so you can get necessary medical care without paying enormous out-of-pocket expenses.

But it’s more than just a buffer against unexpected health-related costs. Health insurance is a proactive measure to maintain and enhance well-being. Many policies cover preventive care services, to help you detect potential health issues early and manage them before they become a problem.

Another advantage of health insurance is that it can give you access to a broader range of healthcare providers. That means more choices and flexibility when it comes to your health.

Health insurance is going to be with you for a long time, and may help you through the hardest parts of your life. Choosing a health insurance policy is a critical decision that requires careful consideration. The type of policy you need depends on your individual health history, lifestyle, and what you can afford. Consulting with a NZ Insurances adviser can help guide your decision-making process.