Why You Need Health Insurance

Auckland resident David (possibly not his real name), 82, recently required two relatively minor operations; one to remove skin cancer-type growths from his face, and a second to remove a cyst from his “undercarriage”. The surgery, plus his three-day stay in a private hospital cost just over $20,000. His wait for the operations to be carried out in a public hospital would have been considerable, seriously compromising his quality of life which at his age is already somewhat depleted.

Fortunately, his health costs are covered under a comprehensive policy offered by his partner’s employer to its employees’ spouses. Had he needed to find the funds himself, his already small savings would have been wiped out. 

This need for surgery later in life is not unusual. In fact, it is becoming more commonplace as the baby boom bulge moves through the population. We are living longer but not without health problems that would have been unfixable just a generation ago.

But advances in medical science and procedures mean more of us will need operations, procedures and drugs to keep us on our feet into our dotage.

But, too, unless your retirement savings are well above the average, you will have to to pay for your health care yourself.

Unless you have medical insurance.

There are many types of medical insurance on the market, each offering different benefits. It takes a professional insurance broker to know those differences and to make sure the policy you choose is best for you. 

We never know what is around the corner, so if you are wisely considering medical insurance, please don’t leave it any longer. Pick up the phone and call me today.

Source: own

© KEPA 2015

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