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Medical Insurance Comparison

Sovereign Great service, claims are usually processed very quickly. A referral letter is usually sufficient to get the claim accepted. In most cases prior-approvals can be processed urgently if you have an appointment or procedure in the next few days. However, we cannot guarantee that urgent prior-approvals will be processed in time and recommend that you get in touch to arrange your prior-approval as soon as you can. Partners Life Good service, can be a little slow with processing. You need a very clear referral letter with a detailed history of the condition; otherwise you will need your doctor to complete the medical section of your claim form. - Ensure Question 5 is ticked so that we can assist with your claim. - A $250 excess is payable on all specialists and tests claims (payable per person, per year). AIA Great service, claims are usually processed very quickly. A referral letter is usually sufficient to get the claim accepted. nib The medical report on your claim form must be completed by your doctor, even if you have a referral letter. Please also ensure that section 3.2 is completed if you would like us to help you with your claim). Accuro If your policy is less than five years old a form will need to be completed by your doctor, even if you have a referral letter. Southern Cross Southern Cross prefer to deal directly with the policy owner and can do pre-approvals on the phone or online.

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Sovereign ($300,000 per policy year – Chemotherapy Drugs only) Chemotherapy treatment including targeted therapy, immunotherapy medicines, oral, intravenous infusion, instilled, and intraoperative chemotherapy provided by or under the direction of a registered medical specialist in an approved facility. This covers the cost of Pharmac and non-Pharmac subsidised MedSafe indicated cancer chemotherapy drugs, subject to Sovereign criteria. Prior approval must be obtained before the treatment takes place. Partners Life ($300,000 per policy year) Partners Life recognises that purchasing private medical insurance should allow the life assured to access the most effective treatment available, irrespective of whether that treatment qualifies for a government (or quasi-government) subsidy, such as PHARMAC funding. As a result, Private Medical Cover reimburses the costs of all drugs registered by Medsafe for use in New Zealand where: - The treatment is prescribed by a Specialist as being the appropriate Medical Treatment for the condition; and - The treatment(s) and/or condition(s) are covered elsewhere in this Protection Benefit Sheet; and - The drug’s cost is covered under the Surgical Benefit, Non-Surgical Benefit or Serious Illness Benefit; and - The drug is being prescribed within the guidelines set by Medsafe. Partners Life will cover the costs of these drugs over and above any government (or quasigovernment) subsidy. All costs under this Non-PHARMAC Subsidised Drugs Benefit are included within the benefit maximums that apply to the Surgical, Non-Surgical or Serious Illness Benefits, whichever is applicable for the required treatment. AIA ($500,000 per policy year) Covers the Usual, Customary and Reasonable expenses incurred for accessing the most effective treatment available, irrespective of whether that treatment qualifies for PHARMAC funding. We will reimburse the costs of all medicines registered by Medsafe, provided they are used according to Medsafe indications for use in New Zealand (subject to our prior approval) and meeting our criteria where: - The treatment has been recommended by a Registered Medical Specialist as the appropriate medical treatment for the condition; and - The cost of the medicine is covered under the Hospital Surgical Benefit (Non Cancer); and - The medicine is being prescribed within the guidelines set by Medsafe. All costs under this Non-PHARMAC Subsidised Drugs Benefit are included within the benefit maximums that apply to the Hospital Surgical Benefit (Non Cancer). nib (Hospital Surgical benefit $300,000 per policy year and Hospital Medical benefit $200,000 per year) This benefit covers the costs of drugs that are Medsafe approved for use in a recognised private hospital or up to six months after admission approved by us. The maximum we will pay is included in the Hospital Surgical benefit limit or Hospital medical benefit limit (whichever applies). Accuro ($500,000 per policy year) This benefit covers the costs of reasonable and customary charges associated with accessing the most effective treatment available, irrespective of whether that treatment qualifies for a government subsidy, such as PHARMAC funding. It reimburses the costs of all drugs registered by Medsafe for use in New Zealand where: - the treatment is prescribed by a specialist as the appropriate medical treatment for the condition; and - the treatment and/or condition are not excluded elsewhere in the policy document; and - the drug is being prescribed within the guidelines set by Medsafe. This benefit covers the costs of these drugs over and above any government subsidy. All costs under the non-PHARMAC drugs benefit are included within the benefit maximums of the Hospital and Surgical+ base plan. Southern Cross ($10,000 per claims year for Chemotherapy treatment) Reimbursement of the actual cost up to $10,000 per claims year for non-Pharmac approved MedSafe indicated chemotherapy drugs.

Not every health insurance policy is the same, especially when it comes to cancer cover. Every provider has different rules and different benefits that cover surgery, cancer drugs, tests and specialist appointments. To help you see what the major differences are, we’ve created this handy medical insurance chart to help you compare each provider’s hospital and surgical benefits, including their specialist and test allowances. This way, you can choose a policy that best suits your needs.

Non-PHARMAC Subsided Drugs (extract from the Policy Wordings)

medical insurance comparison chart

© Brave Day Limited 2008 – all rights reserved. Disclaimer: the information quoted above is accurate as of April 2018 and we will endeavour to update this regularly. For the most up to date and accurate information please request a copy of the policy document.

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