When people say nothing is more important than your health – they’re right. And that’s what makes health insurance such an important part of your life. Without your health, your life, lifestyle and earning ability can be impacted.
Choosing health insurance is a smart choice because it gives you the security of knowing you have protection and options should you experience a health problem.
Five important reasons to have health insurance

1. You have a greater choice of when, where and how you get treated, in consultation with your doctor.
2. No added stress about how to pay for health bills.
3. Avoid long delays in waiting for treatment in the public health system.
4. Cover now for many unknown health issues that may arise in the future.
5. Access to the latest recognised medical procedures and technology.

Medical Cover pays for the treatment of non-acute medical conditions. This includes the medical costs of any surgical or non-surgical treatment in a private hospital.
While New Zealand has an established public health system, there are limitations to what it can provide. For emergency treatment, the public system will provide you with immediate care. But for other health problems, even serious ones like heart surgery, you may have to be continuously assessed to remain on the waiting list. It may take months, or even years to be treated. The effects waiting can have on you and your family can range from being inconvenient to devastating.
保险知识篇之—医疗险
 
在保险行业里，有两种保险是最热门的，一个是人寿险，拥有的人最多，一个是医疗险，理赔的人最多。很多人都有这困惑。一些朋友也会有这样的疑问，人寿险与医疗保险有什么区别？人寿险是指任何形式的死亡保险公司将会直接赔偿一大笔钱（就是你所投保的金额），最大受益人是你所指定的受益人，你的家人，或者你的公司。而医疗保险是指当你看专科医生，做检查，手术住院时，保险公司会赔偿你所花费的医疗费用（就是付账单的意思），最大受益人是你自己。
 
因为大家都知道，没有健康即使你有再多的财富也没用。因为你赚的钱全部用在治疗上了。而且没有健康就没有足够的精力和体力去赚钱去养活自己以及家人。当现在人们对健康意识越来越强烈，也就让医疗保险突显出了它的重要性。
 
虽然在新西兰有公共医疗，但是公共医疗险即国家提供给新西兰公民、长期居民或者持有两年以上工作签证的外国公民享有的相关福利。但是公共医疗险有一定的限制，除非需要紧急处理事件，非紧急的治疗或者手术，医疗机构可能需要不断对其进行评估之后开始漫长的排队等候。可能需要几个月，甚至几年的时间才能排到。但是等待可能会使病情恶化。
 
与公共医疗保险相比较，私人医疗保险具有五个优势：
 

1. 当你生病后，你有更多的选择权。比如说在什么时候，什么地方以及要如何治疗。
2. 在支付医疗账单时，不会有经济上的压力。
3. 避免了在公共医疗机构等待治疗的时间。
4. 越早购买医疗保险，是为了防止以后的出现健康问题想再买保险就容易被保险公司拒保了。

在新西兰的公立医院一共39家，而惠灵顿的公立医院只有4家，惠灵顿的人口将近40万。私立的医院大概有14家，所以私立医院的数量还是远远多过公立的医院。所以每年只花几百纽币但是享受了公立和私立医院的双重保障，甚至是比公立更直接的，更优质的医疗服务。
 
本文由TFS金融顾问Rebecca WEI提供，查看更多文章请登陆TFS公司的Facebook https://www.facebook.com/totalfinancialsolutionswellington”Total Financial Solutions 专业代理多家人身保险。免费报价，理赔服务。请联系 04 4774153/0278330555