COVID-19 & Personal Insurance

Here is some general information of how insurance policies would work in relation to COVID-19 Medical Insurance Private medical insurance is for treatment in private hospitals. If you were hospitalised with COVID-19 you would be in a public hospital. Some private medical policies will provide a payment if you spend more than 3 nights in …

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Redundancy Cover – Do you need it?

There has been a lot of headlines in the business section over the last 6 months regarding low business confidence and talk of a global recession. At this point it is just talk, but some sectors in New Zealand have slowed. Residential real estate sales are down and some construction companies have collapsed but overall …

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Southern Cross Benefit Review – Medical Insurance

Southern Cross have had some bad press this week (see story here). After their annual benefit review, they have announced that they will be reducing some benefits and removing others altogether. What is changing? Removed or Reduced Obstetrics Benefit, depending on the plan. Removed Funeral Benefit, Public Hospital Cash Grant, Premium Waiver, Sterilisation Benefit (snip …

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How much life insurance do other people have?

I often get asked this question and this is my answer; It’s not about them it is about you. There are so many factors to consider when thinking about how much Life cover you need, but most importantly you need to consider what is your Plan B.  If the unexpected happens, which it frequently does, …

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I’m Uninsurable

I hear this from time to time when talking to people about what cover they have in place (or don’t have in this instance). In most cases they have tried one provider and not been offered cover. Well the market is not one provider and I like a good challenge. We have agencies with all …

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Mortgage & Pregnancy. When are you at risk?

I have a lot of conversations with people about their life situation and there are two areas I often see where people are not assessing their risk correctly. Often people think that when they draw the loan from the bank and buy a house they need their insurance cover to be in place by settlement …

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Is wishing someone Happy Birthday Generic?

When I started as an insurance adviser the company I worked for sent Birthday cards to all of their clients. I remember making the comment that to me it didn’t feel sincere. Just because we had their date of birth it didn’t feel heart felt to send a card.   Over time in this industry …

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When is a smoker no longer a smoker? – After 12 months!

When you signed up for your insurance, if you were a smoker at that time your cover will be on smoking rates which are more expensive. If you have stopped smoking for a period of 12 months or more, you are able to complete a non-smoking declaration and your insurance premiums will be adjusted to …

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  • Beach Insurance

  • Comments Off on A medical benefit not often claimed – Cash Back for a public hospital stay.

A medical benefit not often claimed – Cash Back for a public hospital stay.

Private Medical Insurance has many benefits and as most people don’t read their policy wordings (because that’s our job) sometimes there is a claim event that can be missed. Generally private medical cover is for treatment in private hospitals but sometimes clients can end up in the public system.   Why don’t people claim? If …

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  • Beach Insurance

  • Comments Off on Insurance Exclusions and Loadings. What are they and can they be reviewed?

Insurance Exclusions and Loadings. What are they and can they be reviewed?

When someone takes out new cover the risk is assessed medically. If they have a condition that makes them more likely to claim on that product than someone without the condition, they may be offered cover with an exclusion or a loading. With an exclusion, the cover will be offered but that specific condition is …

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Bringing Sexy Back

When I first started in insurance I struggled a bit with the public perception of the industry. So much so that one night, when I was out at a networking event talking to someone who asked what I did, I said that I was an insurance adviser, that it was a great industry to work …

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Snip Snip

Over the last few weeks I have been dealing with a number of families that are expecting their first or second child. This is fantastic news despite the impending lack of sleep, vomit and dirty nappies, which as a father of three I have experienced my fair share. On the other hand I have also …

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  • Beach Insurance

  • Comments Off on Slip, Slop, Slap, Seek and Slide – Low Grade Melanoma Cover

Slip, Slop, Slap, Seek and Slide – Low Grade Melanoma Cover

When I was a teenager I think the highest SPF sun screen you could get was SPF8. Most people used a SPF2 or SPF4 and a lot of people even used Johnson’s Baby Oil to fry themselves. In hindsight just because everyone was doing it, possibly it wasn’t a great idea. These days we know …

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  • Beach Insurance

  • Comments Off on Medical Cover – The 2 major issues, non pharmac drugs and pre-existing conditions.

Medical Cover – The 2 major issues, non pharmac drugs and pre-existing conditions.

There are two major hot spots with medical insurance that people need to consider. 1. Non pharmac drugs. Last week the New Zealand Herald did a special focus on cancer and in the one of the articles (click here) they talked about Keytruda, a new technology drug which is not government subsidised (or otherwise referred …

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One detail that you can leave out of your will.

One detail that you can leave out of your will.   Who will look after your Facebook page after you are gone? Probably not something that you had given a lot of thought to before! A recent story in the herald talks of a new feature that is being rolled out to American users where …

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