Medical Insurance
Printed From: OHbaby!
Category: General Chat
Forum Name: General Chat
Forum Description: For mums, dads, parents-to-be, grandparents, friends -- you name it! And you name the topic you want to chat about!
URL: https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=5780
Printed Date: 13 October 2025 at 4:27pm
Software Version: Web Wiz Forums 12.05 - http://www.webwizforums.com
Topic: Medical Insurance
Posted By: Kellz
Subject: Medical Insurance
Date Posted: 19 February 2007 at 8:16am
| 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? |
Replies:
Posted By: Kazzle
Date 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 ------------- http://lilypie.com"> 
http://lilypie.com"> 
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Posted By: AnnC
Date 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. ------------- Ann 
Also Mum to Josh (15) and Brooke (10) |
Posted By: Kellz
Date Posted: 19 February 2007 at 9:36am
Thanks  What other companies are there? Im clueless 
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Posted By: Nic01
Date Posted: 19 February 2007 at 9:53am
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I think Sovereign & Tower do health insurance too ------------- http://lilypie.com">  http://lilypie.com">
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Posted By: SMoody
Date 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. ------------- http://lilypie.com"> 
http://lilypie.com"> 
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Posted By: busymum
Date Posted: 19 February 2007 at 10:24am
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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 ) -------------  |
Posted By: Kellz
Date Posted: 19 February 2007 at 10:28am
| 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. |
Posted By: AnnC
Date Posted: 19 February 2007 at 12:47pm
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i know banks have medical insurance - at least bnz do. ------------- Ann
Also Mum to Josh (15) and Brooke (10) |
Posted By: Maya
Date Posted: 19 February 2007 at 3:29pm
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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  ------------- 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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