The building blocks of personal insurance start with health cover.
If you think about it, seeing a doctor or needing tests or having to have minor/major surgery are the most likely things to happen to you at any age.
Many of us will need hospital care at several points in our lives. Our public health system is fantastic for immediate emergency and acute care. ACC is a stand out for rehabilitation after an accident.
But ACC won’t help you if you get an illness. And if your surgery is considered non urgent then get used to waiting.
One industry study found that it took on average 100 days longer for surgery if you were on the public list rather than on a private one. This means:
- Your condition could get worse
- Your pain and discomfort lasts longer
- Loss of income if you can’t work
- Emotional and financial family strain
With the right medical cover you could have your surgery, recover and be back at work even before you’d be seen in the public system!