Welcome to Affordable Health and Life's Discount Medical Insurance Quotes

Health Insurance and Medical Insurance

Affordable Medical and Health Insurance’s goal is to provide the best hospital surgical and non surgical cover available in NZ at the best price.

Our policies terms are guaranteed and our Medical/Health Surgical and Non Surgical hospitalization covers drug treatments, irrespective of whether those costs are subsidized by Pharmac* or not.

For example, nearly all insurers decline cover for a 12 month course of Herceptin treatment for aggressive breast cancer. This means that if you or your wife require this expensive treatment, you will be declined the 12 month recommended course. The cost of Herceptin is $1,800 per kilogram or a total of $100,000 plus. An affordable health/medical ING policy will cover this treatment. Which insurer would you rather have?

If you’re still not convinced, try reading the fine print of your policy. Other insurers can change the terms of your policy with short notice, normally 28 days. They will do what is right for their company and their shareholders – unfortunately not always what is best for you – the customer. With over ten years of experience in Health Insurance and Medical Insurance and thousands of happy clients whom we represent personally it is our job to represent clients and not insurance companies. As brokers we only recommend policies that we use ourselves - in other words we don’t gamble with our health or with yours – we advise you and bat for you if you need it.

Once you have the best cover at the best price all you need is the best Health/Medical Insurance Company. We use ING Life (NZ) Ltd - we believe they are by far the best in all aspects.

Discounted premiums:
You will always be entitled to your discounted premiums and you can add any family members on your policy at any time. Most group discounts are only for the duration of your job. This means, if you leave or retire you will lose your discount - for a policy that was initially put into place through your employer, with little or no thought for yourself…

Pre-existing conditions:
All policies are underwritten from the medical information you supply in the application. To make this process simple, we will contact you personally to discuss any medical issues once we have received your application. If you are happy at this stage, your policy will be submitted for completion and will start on the date of your choice.

Policy acceptance and payment refunds
If after receiving your policy you are not happy with your decision, you have 30 days from receipt of the policy document to cancel or make changes in which time we will refund the premium (or difference in premium) paid.

But I already have cover…
Let us know with whom but feel free to complete your application. We will contact you to discuss any medical issues involved with changing your cover.

Will premiums increase?
Yes, medical insurance increases with age yearly on our policies and all medical cover is indexed to medical inflation. As the cost of claims go up so does the price and you will need to budget accordingly. On world terms, our private medical cover is inexpensive but as always it needs to be within your budget or means.
Around 1/3 of New Zealanders have Health/Medical insurance and they make this a long term priority - we can only help you if you ask and unfortunately while we all wish for long-term health we cannot foresee the future. Medical insurance is for your reassurance. Should something unfortunate happen - you will receive the treatment you require, when you require it.

What payment methods can I use?
You can pay via Visa, Mastercard, direct debit or yearly by cheque. Payments may be made weekly, fortnightly, monthly, six monthly or yearly.

Why use Affordable Health and Life's Medical/ Health Insurance cover?
Affordable Health and Life Ltd is one of New Zealand's largest Medical and Health Insurance brokers. We offer you the best Medical and Health Insurance Policy, at an unbeatable price, underwritten by one of the world's largest companies (ING) with $200,000 Surgical and $200,000 non surgical cover for private Hospitalization. Why would you go anywhere else? Best cover at the best price.

Claims Service:
The most important issue with any insurance policy is what happens at claim time. We recommend ING Life (NZ) Limited. With ING there are no surprises in the fine print and from our experience they give the best service to all companies in New Zealand and to all of our clients. Therefore why wouldn't you want the best?

*Pharmac is a Government body and its mandate is to make decisions about how to best utilize the governments pharmaceutical budget. There are many safe and effective medications and treatments which Pharmac does not fund due to considerations such as budgetary constraints. ING Life is the only Medical Insurer with policy wordings which cover non-Pharmac funded Medsafe approved medications and treatments. As many of these types of drugs are hugely expensive, ING Life's policy represents a great benefit for your client which no other company offers.