Craig Nolly and Richard Toon - Abacus New Plymouth

Craig comes to us. He’s listened to our goals, our investment needs and our insurance needs & he’s sold us products that fit best to suit our lifestyle.
Louis & Barbara Kuriger

Craig has really looked after us, He’s gone and got the best deals. That’s his job.
Ross & Shelley Clark

Dealing with a specialist company like Abacus is vital. That relationship thing is absolutely important because you know someone is going to bat for you.
Steve Day, MD Pace Engineering

I am truly grateful to Jamie and consider myself extraordinarily fortunate to have received the benefit of his astute advice and assistance.
- J. F. Pickett

It has felt very good to know we have Richard and the team at Abacus Group Ltd on our side.
- Brian and Tracey Downes

Richard bent over backwards in his endeavours to help us every step of the way through the claim, making the process as simple as possible.
- John & Carole Lynskey

Health Insurance

Health insurance gives you choice and control when it comes to covering the ‘serious stuff’, ensuring you have prompt access to the best healthcare services when you need them. Why worry about opinions on urgency or waiting lists, when you can have the reassurance to have choice, control and time on your side when the unexpected happens.

Health insurance is available in a variety of policy types according to your needs and what you wish to spend. Some people choose ‘Hospital and Surgical only’ cover to make sure they’re covered for the larger requirements. Others prefer to take a policy that provides doctor, dentist and optometrist cover. There is also the ability to mix and match covers to suit what you require.

Admittedly, New Zealand is graced with a pretty great public system; however that comes with a price of waiting lists, and no choice of who will provide the service.


What are the benefits?

What are typical surgery costs?

The following is an estimated cost of surgical treatment for a range of common health problems for an adult:

Conditions Procedure Estimated Cost
Eye Surgery Cataract Removal $3,500 - $4,000 (one-eye)
Bowel Problems Colonoscopy $1,500 - $1,800
Heart Check Angiogram $3,800 - $4,500
Breast Cancer Mastectomy (without reconstruction) $18,000 - $25,000
Heart Disease Cardiac bypass $50,000 - $65,000
Heart valve disease Valve replacement $52,000 - $75,000
Coronary artery surgery without stents Angioplasty $14,000 - $18,000
Coronary artery surgery with stents Angioplasty $27,000 - $32,000
Osteoarthritis in hips Hip replacement $28,000 - $35,000
Osteoarthritis in knees Knee replacement $26,000 - $30,000
Prostate Cancer Prostate brachytherapy $28,000 - $35,000

 

 

 
 

 

 

 

 

 

 

 

 

How much does Health Insurance cost?

The price of health insurance can be tailored to suit any budget. By choosing a higher excess you can reduce your monthly premiums significantly. Your premiums are associated directly with your age, so the younger you are, the less you pay. For two non-smoking adults health insurance can cost less than one cappuccino per day.

The following is an indication of what you could expect to pay for your health insurances. This is a guide only. 

Example

$0 excess $600 excess $4,000 excess
Single male aged 27 $54.88 per month $37.71 per month $25.44 per month
A healthy couple in their mid 30's $125.76 per month $83.78 per month $53.79 per month
A family, two adults mid 30's and two children $167.40 per month $110.84 per month $70.44 per month

 

 

 
Can I get health insurance for a pre-existing medical condition?

Who doesn’t need health insurance?

If you have tens of thousands of dollars of excess cash that you could cover an urgent medical treatment, then you don’t need health insurance. Alternatively if you’re happy to sit and negotiate on waiting lists within the public health system, then you don’t need health insurance.

Want to know more?

Contact Us today for a free no obligation chat with one of our advisors.