When considering an insurance provider, focusing solely on premiums and coverage limits is easy.
However, many New Zealand insurers offer extra Benefits beyond traditional cover, designed to support your health and well-being in more comprehensive ways. These extras can make a big difference in your overall experience, from virtual health consultations to mental wellness programs.
Let's explore some standout offerings from leading insurers in New Zealand.
1. Southern Cross Health Society
CareHQ
One of Southern Cross’s standout services is CareHQ, a telehealth platform that allows users to access virtual doctor consultations from the comfort of their homes. This service is available seven days a week, making it a great option for busy families or those living in remote areas.
We have accessed this service while out of town and found it greatly beneficial.
BeingWell App
Southern Cross also offers the BeingWell app, which includes health-tracking tools, mindfulness practices, and fitness goals to help you maintain a healthier lifestyle. Members can access a range of wellness programs tailored to their individual needs.
Mental Health and Wellbeing Support
For mental health, Southern Cross supports through various partnerships with professional services, offering members access to counselling and other wellness initiatives.
2. AIA New Zealand
AIA Vitality_( you pay for AIA Vitality)
AIA New Zealand offers the AIA Vitality program, a wellness platform that rewards members for staying healthy. Through fitness tracking, healthy eating, and preventive care, members earn points and discounts on their insurance premiums and vouchers for lifestyle brands and fitness gear.
Second Opinion Service
AIA offers a Second Opinion Service, giving you access to medical advice from a global network of experts when you’re diagnosed with a serious illness.
Mental Health Support
The insurer provides access to mental health services, including counselling and therapy, as part of its broader healthcare offerings.
3. nib New Zealand
nib First Choice Network
Nib offers access to the NIB First Choice Network, where members can choose from various healthcare professionals and receive higher benefits. This ensures you get more value from your policy while still being able to select the best healthcare provider for your needs.
SmartHealth
Nib’s SmartHealth service offers 24/7 access to GPs, nutritionists, and psychologists through their app. This feature is perfect for those who want immediate advice without the need to visit a clinic.
Complementary Health Support
Nib supports preventive care by covering consultations with dietitians, physiotherapists, and other allied health services as part of its wider health cover.
4. Partners Life
Medical Assurance Society (MAS)
Through Partners Life, members also gain access to MAS services, including professional wellness support programs catering to physical and mental health needs.
Wellness Extras
Partners Life works with various providers to offer mental health support services, including access to psychologists and counsellors for stress and anxiety-related issues.
5. Accuro Health Insurance
Best Doctors Service
Accuro provides its members access to the Best Doctor's Service, offering second opinions from leading medical experts worldwide. This service is particularly useful for those facing major health diagnoses who want to ensure they’re making informed decisions about their treatment options.
Telehealth Services
Accuro offers virtual GP visits, which provide a convenient way for members to seek medical advice without leaving their homes. This is an excellent option for those with busy schedules or limited access to in-person consultations.
6. Vero Insurance.
Vero offers the Best Doctors service as part of its rural insurance policies. This partnership is designed to support rural customers with limited access to specialist healthcare due to their location. Best Doctors connects them with global medical experts for second opinions, treatment plan advice, and support with difficult diagnoses.
7 Asteron Life
Connected Care
Asteron Life Connected Care is now included at no extra cost with Asteron Life Disability Insurance, Trauma Cover and Cancer Cover.
Expert medical and wellbeing advice from the comfort of your own home. With Asteron Life Connected Care, you can access a global network of leading medical and wellbeing experts to answer your questions, give you a second opinion, and help you get back on track to health and wellness.
Conclusion
While price and basic coverage are crucial when choosing an insurance provider, these added services can offer significant value and peace of mind. Whether it’s virtual doctor visits, wellness apps, or mental health support, the extras provided by New Zealand insurers can help you stay on top of your health and make the most of your policy. While these benefits are not primary reasons for buying a policy, they can add significant value and peace of mind when called upon.
Remember to talk to us about which product suits your specific needs. It is never a “one size fits all” scenario when it comes to insurance. Contact us today to book an appointment to meet.
