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Do I need Health Cover?  
Yes, it is essential that you & your family have the certainty & peace of mind that should you require medical care you have access to the best medical services. Not all treatments or costs are covered by the public health system & health insurance will ensure that you have access to the right medical procedures without the waiting list & with the knowledge that the procedure will be paid for.

Can you afford to wait?

The cost of medical procedures increase on a regular basis & with procedures costing tens of thousands of dollars it has become unaffordable for most New Zealanders to pay for these procedures. Whilst you may qualify under the public health system for a procedure these are often limited to those who most need the surgery. If you are lucky enough to qualify for a procedure there will likely be a waiting list & for many people the process of waiting can complicate their medical situation.

The cost of surgery

Many people believe they can afford to pay forprivate surgery if they need it - but do they know how much surgery and tests really cost?

Cardiac bypass (heart surgery) $25,000 - $35,000
Valve replacement (heart surgery) $32,000 - $42,000
Angiogram (diagnostic test) $3,400 - $4,000
Angioplasty - without stents (heart surgery) $12,000 - $14,000
Angioplasty - with 2 stents (heart surgery) $17,000 - $20,000
Total hysterectomy (surgery) $4,800 - $8,000
Prostate removal (cancer surgery) $7,000 - $12,000
Prostate brachytherapy (cancer surgery) $20,000 - $30,000
Excision of cancerous skin lesion $350 - $3,000
Colonoscopy (diagnostic test) $950 - $1,500
Radical mastectomy (breast cancer surgery) $3,500 - $8,000
Total hip replacement (surgery) $13,000 - $20,000
Total knee replacement (surgery) $13,000 - $20,000
Cateract removal (eye surgery) $2,600 - $3,500
Throidectomy (surgery) $5,000 - $8,000

* information sourced from Health Funds Assocation of New Zealand - March 2006

Health system in the news

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GP fees to rise despite $2b Govt injection
Hospitals cull waiting lists by thousands
Battling cancer and the health system
8,000 cut from waiting lists
Waiting list patients in agony
Woman's plight exposes cracks in health system





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