Medical Insurance

Who do you use and why? How much (roughly?) do you pay, and what does that cover???

Was just thinking we should probably get medical insurance for DS and I. I haven't really started looking into it at all yet though. I'm 99% sure DH is covered with the IL's farm, but DS and I aren't covered.

We're with Sovereign. I'm not sure exactly what we pay for the medical part of our insurance to the dollar (we pay that and our other insurance all in a lump sum) but I think it's about $80 a month. That doesn't cover GPs visits, though, just the bigger stuff.

We went with Sovereign because when we got quotes etc they were happy to completely ignore some of my pre-existing conditions (even though we gave them every detail), which was a real bonus. I've been really pleased with them, we've only claimed once for my lap surgery but they were very friendly, fast, and covered some stuff I wasn't sure whether they would - I've got nothing but good things to say about them.

Southern Cross here. For DH and I and 2 kiddies its $80ish a month for surgical and specialist care.

You really need to ring and ask because each plan varies soooo much in price as I recently changed our plan.

With kids it pays to get them on a plan asap because then they get covered for everything. MIL did this with DH and he has an eye condition. if we switched now no one would cover his eyes but cause his mum got him insured when he was born it is. I will always have exclusions on my policy because of "pre existing conditions"

We are on the Wellbeing 2 plan with Southern Cross. We used to be under my work cover (2 years ago was $12 p/m) but now we are under DHs work cover (approx $80 p/m - my work was obviously more generous!). We only really have it for major operations and the associated costs as if something came up we would want it to be treated immediately. I guess it's like any insurance - after having car and contents for 10 years I made a claim for a broken camera this year, first claim ever!

Me, dh and 3 kids with southern cross, hospital and specialist, and it is $117 pm.

Hi there - my husband is an insurance broker and would be happy to answer any questions you have regarding insurance and provide quotes. Feel free to PM me for more info.
Be ware that cheaper is not always better - policies vary incredibly and there are lots of pit falls to avoid!

For 3 of us with Southern Cross $53 per fortnight.. but DH claims a lot so it costs us more!

We have specialist and hospital cover and I actually have over $2000 of claims in now so we definately get our worth!

Southern Corss, been with them since 1984 when we moved to NZ as dad got it with his work.

For me it is currently $28 a fortnight for me nad the boys (DH doesn;t have it), this is about to go up to $33 a fortnight as I have claimed quite a bit so I have lost my no claims bonus.

We are on the Wellbeing 2 plan so her have specialist and hospital cover. I love the plan and will add on drs once both boys are 6.