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 OnePath 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
â€“ 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 OnePath Life (NZ) Ltd - we believe
they are by far the best in all aspects.
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...
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
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
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 (OnePath) 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.
The most important issue with any insurance policy is what happens at
claim time. We recommend OnePath Life (NZ) Limited. With OnePath 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. OnePath 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, OnePath Life's policy represents a
great benefit for your client which no other company offers.