Mortgage Advice Broker & Adviser - Grafton
Mortgage Brokers & Refinancing - Auckland & Insurance Advisers - Pnb.nz
P&B Ltd is based in Auckland new Zealand providing mortgages, refinancing, KiwiSaver advice, insurance, loan and finance services as well as providing general information on investments (including KiwiSaver)
About Mortgage Advice Broker & Adviser
Health Insurance Explained (Medical Cover)
There are three different ways health insurance providers have produced products in the New Zealand market. They fall under the general categories of comprehensive cover, hospital & surgical cover and modular cover.
Comprehensive cover provides the maximum amount of benefits which includes:
hospitalisation
surgery
prescriptions
doctor (including specialists) visits
dental costs
optical costsHospital & surgical cover provides for only the "big ticket" items like chemotherapy, specified non-surgical procedures, hospitalisation and surgery.
Modular cover provides a "do it yourself" bespoke policy where initially the policy only has a basic hospital and surgery plan, but the individual may add modules that they choose from the comprehensive range of products that they want.
When considering medical insurance it's extremely important to "shop around". This is because premiums are constantly on the rise and will keep on rising. Close scrutiny is essential in order to determine the "best value for money" against what is covered exactly as there may be exclusions, for example there are probably no products available that cover elective cosmetic surgery. The events to pay close attention to are as follows:
dental visitation
hospital expenses
surgery expenses
doctor visitation
specialist visitation
optician visitation
surgical cover that is completed without hospitalisation (example maybe a colonoscopy)
diagnostic consultations
Premiums are calculated on a case by case basis and will be determined by age and health of the individual applying. This may include exclusions depending on any pre-existing medical conditions.
There will be "terms and conditions" which need to be carefully considered and understood. Generally these may include the following, in that they are not covered by the policy:
organ transplants
treatments covered by ACC
pre-existing conditions
acute care
excess conditions for specified procedures
a maximum limit
Contact Mortgage Advice Broker & Adviser
| Address : | Mortgage Advice Broker & Adviser 219/38 Khyber Pass Road, Grafton, Auckland 1023, New Zealand |
| Phone : | π +99 |
| Postal code : | 1023 |
| Website : | http://www.pnb.nz/ |
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eva polak on Google
β β β β β Prompt, efficient and extremely helpful!
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Larry Bennett on Google
β β β β β Dealing with Steve was a breath of fresh air. Thet are prompt, efficient and were extremely helpful.
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GarethSara Jones on Google
β β β β β Was given a pre approval letter for 450k but when I made an offer on a house at 420k you reneg, and now I'm out of pocket $1310 for building report and Lim.
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Stephanie Rowe on Google
β β β β β I canβt express enough how helpful this company was for us. If you are a first home buyer who is overwhelmed, this company is the absolute best choice for you. They made everything easy to understand and answered absolutely question I had. Oh and they are crazy fast at returning emails or calls.
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Michelle De Beer on Google
β β β β β So good to be able to talk to someone, get the information needed without the stress of them only being interested in making money out of me. Although I will not be needing a mortgage for some time now. Steve gave me his time to help me decide the best way forward to achieve my goals.
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