Understand Your Options, Secure Your Peace of Mind

In New Zealand, life can change in an instant. Whether it’s an unexpected cancer diagnosis, a sudden heart attack, or a debilitating stroke, critical illnesses can strike without warning, leaving you and your family vulnerable both emotionally and financially. That’s where critical illness insurance comes in – providing a crucial safety net when you need it most.

Why Critical Illness Insurance Matters

• Cancer Concerns: Over a five-year period (2016-2020), there were 129,100 cancer registrations in New Zealand, with an overall five-year survival rate of 61% Te Whatu Ora Health New Zealand.
• Heart Health: Ischemic heart disease accounts for 12% of all deaths in New Zealand, making it a top health concern.
• Stroke Statistics: Cerebrovascular diseases, including stroke, are responsible for 5% of all deaths and can lead to long-term disability.
• Mental Health on the Rise: Mental health claims are increasing year-on-year, becoming a leading cause of work absences.

Don’t let misconceptions leave you unprotected. Many Kiwis believe ACC covers all illnesses or that they’re too young to need coverage. The truth is, critical illness insurance can be an affordable way to secure your future at any age.

The Insurance Check Advantage

At Insurance Check, we understand that navigating critical illness insurance can be overwhelming. That’s why we’re here to simplify the process and connect you with expert advisors who can help you make informed decisions.

How It Works

1. Quick Online Assessment: Take 1-2 minutes to tell us about your situation and needs.
2. Connect with an Expert: We’ll match you with a professional advisor who specializes in critical illness insurance.
3. Understand Your Options: Your advisor will explain different policies, compare options, and answer all your questions.
4. Make an Informed Decision: Armed with clear information, choose the coverage that’s right for you – no pressure, just support.

Why Choose Critical Illness Insurance?

• Financial Freedom: Receive a lump-sum payment if you’re diagnosed with a covered illness, giving you the flexibility to use the funds as needed.
• Focus on Recovery: Reduce financial stress during treatment, allowing you to concentrate on getting better.
• Protect Your Lifestyle: Maintain your standard of living even if you’re unable to work due to a critical illness.
• Peace of Mind: Know that you and your family are protected financially if the unexpected happens.

Frequently Asked Questions

• Isn’t ACC enough to cover me if I get sick?
  ACC only covers injuries from accidents, not illnesses like cancer or heart disease. Critical illness insurance fills this crucial gap.
• I’m young and healthy. Do I really need critical illness insurance?
  Health can change unexpectedly at any age. Securing coverage when you’re younger often means lower premiums and comprehensive protection.
• How is critical illness insurance different from health insurance?
  While health insurance covers medical costs, critical illness insurance provides a lump sum payment you can use for any purpose – from mortgage payments to lifestyle changes.
• Can I get coverage if I have pre-existing conditions?
  Many policies offer coverage for pre-existing conditions, depending on the specific terms. Our advisors can help find the right policy for your situation.
• Is critical illness insurance expensive?
  The cost varies based on factors like age and coverage amount. Many find it more affordable than expected, especially considering the financial protection it provides.

Ready to Secure Your Future?

Don’t leave your family’s financial security to chance. Let Insurance Check connect you with an expert who can guide you through your critical illness coverage options, giving you the knowledge and confidence to make the right choice.

Start Your Free Assessment Now

Because understanding your options shouldn’t be a guessing game.