ADVERTORIAL
Some workplaces offer group medical schemes to their employees. These are often discounted, as it is often limited cover.
You need to pay more for a better plan and select additional options to get to the comprehensive cover.
For example, most of these workplace schemes have limited claim maximums and do not cover non-Pharmac-funded Medsafe approved drugs.
Too often we read stories of families having to sell a house or start a Givealittle page to cover the cost of the best cancer drugs. A comprehensive medical policy covers these.
How I help: For many of my clients that pay for their workplace scheme, after our discussion they don’t mind paying a little extra for extensive cover and therefore cancel their work policies.
If work cover is provided free, I often advise on supplementary medical policies to ensure combined comprehensive cover.
Know that you are fully covered. Do not assume.
Did you know that most insurance providers will give free trauma cover to your children if one of the parents has cover?
Did you know that most life cover policies will also give a full payout if the insured is deemed “terminally ill” with less than 12 months to live?
As a broker I often receive deals from our providers that I can pass onto you as a new client. Are you interested? Let’s talk.
- Steve O’Connor
- Insurance Advisor
- 021 862 330
