Medical Insurance
Printed From: OHbaby!
Category: General Chat
Forum Name: General Chat
Forum Description: For mums, dads, parents-to-be, grandparents, friends -- you name it! And you name the topic you want to chat about!
URL: https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330
Printed Date: 24 February 2025 at 10:00pm
Software Version: Web Wiz Forums 12.05 - http://www.webwizforums.com
Topic: Medical Insurance
Posted By: RedHeadDuck
Subject: Medical Insurance
Date Posted: 19 August 2010 at 9:39am
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Who do you use and why? How much (roughly?) do you pay, and what does that cover???
Was just thinking we should probably get medical insurance for DS and I. I haven't really started looking into it at all yet though. I'm 99% sure DH is covered with the IL's farm, but DS and I aren't covered. |
Replies:
Posted By: myfullhouse
Date Posted: 19 August 2010 at 9:47am
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We use Southern Cross because my Mum signed me up when I was born and now DH's work pays the premium for us and up to 4 kids. My latest letter shows DH's work pays $92 for us and the kids a month. This is for their regular care plan which covers GPs, specialists, hospital, surgery. The only things that we use that aren't covered are Optometrist and contacts etc and Osteo (although they cover Chiropractor)
ETA: although apparently I can pay extra for them to cover optometrist and contacts ------------- Lindsey 
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Posted By: Hopes
Date Posted: 19 August 2010 at 9:57am
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We're with Sovereign. I'm not sure exactly what we pay for the medical part of our insurance to the dollar (we pay that and our other insurance all in a lump sum) but I think it's about $80 a month. That doesn't cover GPs visits, though, just the bigger stuff.
We went with Sovereign because when we got quotes etc they were happy to completely ignore some of my pre-existing conditions (even though we gave them every detail), which was a real bonus. I've been really pleased with them, we've only claimed once for my lap surgery but they were very friendly, fast, and covered some stuff I wasn't sure whether they would - I've got nothing but good things to say about them. -------------   
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Posted By: jjands
Date Posted: 19 August 2010 at 10:27am
| DD and I are wit southern cross its $12 pw for hosp and specialist care. With Southern cross your 3rd child is covered for free too. Southern cross give you great service with their prior approval and are always sending you newsletters and discount vouchers for things like glasses vitamins gym memberships etc. |
Posted By: kebakat
Date Posted: 19 August 2010 at 10:32am
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Southern Cross here. For DH and I and 2 kiddies its $80ish a month for surgical and specialist care.
You really need to ring and ask because each plan varies soooo much in price as I recently changed our plan. With kids it pays to get them on a plan asap because then they get covered for everything. MIL did this with DH and he has an eye condition. if we switched now no one would cover his eyes but cause his mum got him insured when he was born it is. I will always have exclusions on my policy because of "pre existing conditions" |
Posted By: clover
Date Posted: 19 August 2010 at 10:53am
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We're with UniMed (always have been) we pay $55 for the two of us, that is specialist, surgical and doctors on their UniCare plan (second top plan). I've never been able to find anything cheaper. I've had 7 operations and they've always been excellent with approval and paying out.
Southern Cross are popular but are actually fairly expensive. Their claims history is good though which is important. ------------- http://lilypie.com"> 
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Posted By: maysie
Date Posted: 19 August 2010 at 1:38pm
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We are on the Wellbeing 2 plan with Southern Cross. We used to be under my work cover (2 years ago was $12 p/m) but now we are under DHs work cover (approx $80 p/m - my work was obviously more generous!). We only really have it for major operations and the associated costs as if something came up we would want it to be treated immediately. I guess it's like any insurance - after having car and contents for 10 years I made a claim for a broken camera this year, first claim ever! ------------- http://lilypie.com"> 
http://lilypie.com"> 
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Posted By: clover
Date Posted: 19 August 2010 at 1:52pm
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For those who are added on to their partners insurance through Southern Cross and paying for it themselves, it may be worth looking into how much it would cost for you and your children to be on your own policy, often adult rates on group plans are more expensive than standard rates, depending on various things like the industry/occupation and average age of the people on your partners group plan.
------------- http://lilypie.com">
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Posted By: kiwi2
Date Posted: 19 August 2010 at 2:42pm
| Me, dh and 3 kids with southern cross, hospital and specialist, and it is $117 pm. |
Posted By: HuntersMama
Date Posted: 19 August 2010 at 4:22pm
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We are with ING and for me, DH and DS its $120 a month which includes is for both health and life insurance. ------------- http://lilypie.com"> 
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Posted By: kiwimum2010
Date Posted: 19 August 2010 at 4:22pm
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Hi there - my husband is an insurance broker and would be happy to answer any questions you have regarding insurance and provide quotes. Feel free to PM me for more info.
Be ware that cheaper is not always better - policies vary incredibly and there are lots of pit falls to avoid! |
Posted By: mrsturtle
Date Posted: 19 August 2010 at 4:49pm
| We are with Soverign as well for life and medical which is the specialist and surgical cover its approx $100 pm the girls are also included they charge $30 for child cover no matter how many thats for so good if you are having more than 1 child. |
Posted By: mummyofprinces
Date Posted: 19 August 2010 at 6:43pm
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For 3 of us with Southern Cross $53 per fortnight.. but DH claims a lot so it costs us more!
We have specialist and hospital cover and I actually have over $2000 of claims in now so we definately get our worth! -------------   
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Posted By: AandCsmum
Date Posted: 19 August 2010 at 11:02pm
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Like Clover I am with Unimed. They are brilliant. I have super duper mario cover & it's 82 a month for me. The lady commented to me to never drop my insurance as I'd never get the same package back, it was a better deal than their staff had. Been with them so long now!
Haven't bothered covering the kids cause medical care is free under 5. ------------- Kel http://lilypie.com"> 
A = 01.02.04 & C = 16.01.09 & G = 30.03.12 |
Posted By: mummy_becks
Date Posted: 20 August 2010 at 9:43am
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Southern Corss, been with them since 1984 when we moved to NZ as dad got it with his work. For me it is currently $28 a fortnight for me nad the boys (DH doesn;t have it), this is about to go up to $33 a fortnight as I have claimed quite a bit so I have lost my no claims bonus. We are on the Wellbeing 2 plan so her have specialist and hospital cover. I love the plan and will add on drs once both boys are 6. ------------- I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived! |
Posted By: Hardisson262712
Date Posted: 09 May 2021 at 8:10am
| Good afternoon! I have regular insurance for sure, which I took out a long time ago. Recently I met with good people who advised me to read https://www.medicareinsuranceaz.com/" rel="nofollow - here about insurance more information. I was surprised when I read this, as I learned a little new information for myself, which I had not even thought about before. |