Frequently Asked Questions

Please see below for some of the more commonly asked questions, if you need more information please call or email us.

Common Questions

  • How much cover do I need?
    This varies for every person we deal with, the best thing to do is run through the simple planner we have developed.
    You can get started right now by completing the simple enquiry form to the right hand side of this page. We will then come back to you with some additional questions that will help us to establish the amount of cover you need for your personal situation.
  • How do I contact you?
    You can email me, kevin@perreau.co.nz
    Phone me on 07 855 2158
    Mobile 021 901919
  • What is usually covered?
    A good health plan will cover 100% of your major medical expenses, minus any "excess" (the part of the hospital bill that you pay). This includes things like surgery, hospital charges, etc. It's also common for plans to cover specialist and test costs both before and after your treatment in hospital. In addition, plans will often pay for a range of "major diagnostic" costs (like MRI scans, CT scans, angiograms, etc), even if you don't need treatment in hospital.
  • Who can apply?
    Usually any New Zealand citizen, permanent resident, or people on a 2 year Work Visa can apply.
  • Why have my health Insurance rates gone up so much?
    Health Insurance rates increase on average 10% per year because of medical Inflation.

    They also increase because of age.

    If you are part of a group scheme and the claims experience of the group is higher than the average, further increases may be applied.

    If you are concearned about your health insurance costs please contact us for a review, there may be better options available.
  • What options do I have for health insurance if my rates are getting too expensive?
    The best thing to do is call me.

    Options include applying for other cover through the many options we have available, however if you have pre-existing conditions these may be excluded off the new policy.
  • What is the definition of a disability?
    In most cases the definition is, " The inbility to perform your usual occupation for more than ten hours per week".
    Please read your policy wordings for a full definition.
  • Am I covered if I'm out of the country?
    Life , Income Protection , Trauma and Total and Disablement cover, usually cover you anywhere in the world 24 hours a day, Health insurance only covers you for treatment in New Zealand.
    Special conditions sometimes apply please check your policy wordings for full details.
  • My Insurance premiums are going up, is there an option to make the premiums level?
    Yes, you can now get level premiums for most benefits, call us for more information, we can probably convert existing cover without the need for further health questions.
  • How likely am I to become disabled or pass away before age 65 ?
    Five in 10 males are likely to become disabled due to an illness or
    accident before they turn 65, preventing them from working for at
    least a month.1
    Seven in 10 females are likely to become disabled due to an illness
    or accident before they turn 65, preventing them from working for
    at least a month. Of these, nearly a third will still be on claim 12
    months later.1
    One in nine men will be disabled and off work for more than
    12 months before age 65.2
    One in five women will be disabled and off work for more than12
    months before age 65.2
    Fifty-one per cent of males will suffer a critical illness before the
    age of 70.3
    Thirty-three per cent of females will suffer a critical illness before
    the age of 70.3
    Sources:
    1 Davies Financial and Actuarial Limited
    2 Insurance Alert, Winter 2000
    3 GenRe LifeHealth Australia, 2005