News

Now Crohn's, Colitis and related conditions like Irritable Bowel disease

Similar to our well-established relationship with Diabetes, we now have a prompt turnaround pre-assessment service with Crohn's and Colitis New Zealand. This can be a complex medical condition but we have designed a one-page questionnaire to identify the main issues so we can get a quick indication on the sort of premium a person may have to pay and/or what pre-existing Exclusions they can expect.

Overseas Medical Insurance

Getting cover for pre-existing medical conditions when travelling overseas can be near impossible these days with the tighter financial restraints within the insurance world.  Getting stranded overseas can be very expensive.

For those with certain 'pre-existing' health issues and cannot get cover in New Zealand, we are able to offer a medical insurance cover with reasonable limitations that provides for Emergency Evacuation up to $US25,000 depending on your age.

International Medical Group (IMG) has a large range of products that they have two in particular that do not require pre-approval providing you have a written medical clearance from your doctor, preferably your Specialist, within 30 days of travel saying you are medical fit to travel.

If you are under age 65, apply on-line by entering here: IMG - Special Risks

For important detail and help with selecting one of their products, especially if you are over age 65, please contact us.

Forces combine to help Diabetics

Since August 2008 SRI has been assisting members of Diabetes NZ Auckland by giving advice on getting insurance for themselves and their immediate families, that is, policies for life, disability, trauma and health insurance.

We strive to achieve a prompt 48-hour pre-assessment turnaround to provide an expert indication of the cost and Terms they are likely to be offered.  This minimises the frustration levels that many people with diabetes experience when they apply for insurance cover. See diabetes for further information and the most recent Testimonial from one of their members, Mihiteria King.

We cannot provide insurance for everyone, but we will always do our very best to give quality information.    

Health Insurance

We encourage you to read the published article above titled, "The Right Health Insurance Policy".  There are some really important issues in this and pitfalls to be alerted to.

One of the most common insurance inquiries we receive is from people wanting Health Insurance.  Sadly, in many cases we often cannot provide anything other than expert advice. Typically, we are advising them they MUST keep their existing policies because of the nasty "pre-existing conditions" clause that exists within individual policies - unlike "workplace" covers.

However, we are able to arrange health insurance for some people with an Exclusion, e.g. here is a typical policy Exclusion wording for Type 2 diabetes: "Any consultations, investigations or treatment in relation to Diabetes Mellitus and associated disorders, and/or any complications thereof, including but not limited to impaired glucose tolerance, cardiovascular disease, cerebrovascular disease, peripheral vascular disease, retinopathy, neuropathy or renal disease."

Regardless of these warnings, don't be put off totally and seek our opinion.

Living with the AIDS Virus

Recent publications have stated that many people with the AIDS virus are unlikely to suffer from any HIV-related adverse health events for over a decade or more these days.  Thankfully for those with this virus are able to live a much improved quality of life, thanks medical research and the drugs available.

As a result, we have been successful in placing Life Insurance, with a Limited Term, for those successfully treated and staying well.  Contact us for more information or read more.

Articles

The Right Health Insurance Policy

Getting Insurance Cover
Dia-Log Spring Issue 2008

Guidelines on Insurance and the Human Rights Act 1993 – Issues to consider
Financial Alert, Feb 2007

Insurers ‘favour the rich’
Sunday Star Times – 11 Feb 2007