WHAT WE CAN OFFER

We know that bad things can happen, that is why we offer risk solutions built around you. As your insurance partner, it is important that cover gives you exactly what you need – nothing more, nothing less.

LIFE COVER

Life Cover protects your family’s future by providing them with a lump sum or monthly payment if you pass away or becoming terminally ill. It helps your loved one’s pay costs that you would have paid if you were still alive.

Life Cover can be used for:

• Covering funeral expenses
• Providing an income and financial support to your family after you are gone
• Paying off your debt such as a mortgage or credit card
• Helping you pay for treatment if you are terminally ill

INCOME PROTECTION

You and your ability to earn an income is your biggest asset. Income Protection covers your lifestyle and future plans by providing you with an income when you are unable to work due to sickness or injury – either temporarily or permanently. 

Why you need Income Protection:

• Income Protection will provide you with money to live on while you’re not receiving your salary or wage
• When your income stops because you can’t work, your bills won’t stop. Payments from Income Protection can cover your ongoing financial commitments like food, rent payments, mortgage payments and other household bills
• Help with rehabilitation to get you back to work

TRAUMA INSURANCE

Unexpected serious illness or injury can take a long time to recover from and can cause a lot of financial hardship. Trauma Insurance provides you with a lump sum payment that can be used for treatment or to cover additional costs needed to get back on your feet.

Trauma Insurance can be used for:

• Taking care of medical treatments or covering any rehabilitation costs
• To provide financial support so your spouse or family member can take time off work so they can provide support and care at home
• Pay for additional or alternative treatments that may not be covered by the New Zealand health system or health insurance
• Cover additional expenses such as childcare and travel to medical appointments
• Reduce some of your debt such as a mortgage or credit card
• Allow you to take time off work to rest and recover or to work reduced hours

TOTAL AND PERMANENT DISABILITY INSURANCE

Total and Permanent Disablement Cover pays out a sum of money to provide financial support and to help make lifestyle changes if you are unable to return to work again due to sickness or injury. 

Total and Permanent Insurance can cover you for:

• Everyday living expenses when your income stops 
• Making lifestyle changes like modifying your home or paying for someone to take care of you if you can’t perform everyday tasks
• Paying off the mortgage or other debt

HEALTH INSURANCE

High demand for public health care and the rising costs associated with funding this has created a lot of pressure on the public health system in New Zealand. Most treatment is not considered urgent, and often requires long periods on a waiting list which can lead to a lot of stress and uncertainty. 

Health Insurance allows you quick access to treatment in the private medical sector, and depending on the cover you choose, help cover you for the big expenses like seeing a specialist, surgery or cancer treatment. There are also options available for everyday health needs like the dentists and GP’s.  

Why you need Private Health Insurance:

• Most importantly to avoid being put on a long waiting list 
• You have a choice of treatment, who you see and when you are treated without relying on the public health system
• Peace of mind knowing you will be covered for expensive private treatments and surgeries
• If it is not accident-related, treatment costs won’t be covered by ACC