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Kellz 
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Joined: 01 January 1900
Location: Gisborne
Points: 7186
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 Topic: Medical Insurance
Posted: 19 February 2007 at 8:16am |
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Does anyone know if I get medical insurance for Isla now,...after she has already began a trial of medication by our GP for silent reflux,..will treatment (specilaists etc) related to her reflux be covered?
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Kazzle
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Joined: 01 January 1900
Location: Porirua
Points: 3830
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Posted: 19 February 2007 at 8:22am |
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you may be able to get medicial insurance for her, but most places will say that pre existing conditions wont be covered.
all i can suggest is that you ring around
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AnnC
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Joined: 01 January 1900
Location: Taranaki
Points: 6796
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Posted: 19 February 2007 at 9:05am |
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i am with southern cross and if i registered Rhyley within 3 months of birth all pre existing conditions were covered. although i know Isla is older than 3 months so maybe not covered but yeah ring around.
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Ann
Also Mum to Josh (15) and Brooke (10)
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Kellz
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Joined: 01 January 1900
Location: Gisborne
Points: 7186
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Posted: 19 February 2007 at 9:36am |
Thanks  What other companies are there? Im clueless 
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Nic01
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Location: West Auckland
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Posted: 19 February 2007 at 9:53am |
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I think Sovereign & Tower do health insurance too
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SMoody
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Joined: 09 January 2007
Location: New Zealand
Points: 1999
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Posted: 19 February 2007 at 9:55am |
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It might be that she wont be cover for the first year or so. But eventually all stuff will be covered.
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busymum
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Location: New Zealand
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Posted: 19 February 2007 at 10:24am |
My understanding is that reflux is always sorted out before the child turns 5 so... what exactly would you want covered by the insurance that isn't already public health funded? All the visits to doctors, prescriptions, and any referrals are all covered aren't they? And then no problems later in life. (If I'm wrong, someone please tell me )
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Kellz
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Location: Gisborne
Points: 7186
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Posted: 19 February 2007 at 10:28am |
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I was hoping that if she was insured we could go private if we had to wait ages to see a specialist or to have any tests in the public system.
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AnnC
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Location: Taranaki
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Posted: 19 February 2007 at 12:47pm |
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i know banks have medical insurance - at least bnz do.
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Ann
Also Mum to Josh (15) and Brooke (10)
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Maya
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Location: Sydney
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Posted: 19 February 2007 at 3:29pm |
We're with Southern Cross and they've been great. They do have the 'up till 3 mths' thing that AnnC mentioned, and I'm not sure how that would be affected with Isla being 4 mths already but it wouldn't hurt to give them a call.
Busymum - for under 5's insurance is all about the waiting game. If we hadn't had insurance I would have had to wait 9 mths to see a public specialist for Maya's allergies, and would have seen a registrar rather than a consultant. It also covered my OB during pregnancy, otherwise I would have had to see the hospital 'team' which means limited continuity of care and I wouldn't have been able to keep my brilliant midwife.
Insurance has given me the freedom to choose who I take my kids to, and cut out waiting lists. I wouldn't be without it and am incredibly grateful we have it given all the issues these 3 have had 
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 Maya Grace (28/02/03)
 (02/01/06)
The Gremlins:Sienna Marie & Mercedes Kailah (14/10/06)
Lil miss:Chiara Louise Chloe (09/07/08)
Her ladyship:Rosalia Sophie Anais (18/06/12)
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Medical Insurance
