Getting Insurance for your home

PREPARING FOR THE UNEXPECTED

• THE SOUTH CANTERBURY FINANCE FAILURE-GOVT. WAS PREPARED WITH THE DEPOSIT GUARANTEE

• THE CANTERBURY EARTHQUAKE – GOVT. & CITIZENS NOT PREPARED…ANYONE CAN PREPARE FOR A CALAMITY..LUCKILY NO LIVES HAVE BEEN LOST

THERE ARE HUNDREDS OF FAMILIES THAT DO NOT CURRENTLY HAVE THEIR HOMES INSURED. REVIEW YOUR SITUATION IMMEDIATELY.

WHAT HAPPENS TO YOUR HOME IF IT IS AFFECTED IN AN EARTHQUAKE OR STORM OR ANY OTHER CALAMITY? IF YOUR HOME IS INSURED, YOU WILL HAVE SOME RELIEF. IF YOUR HOME IS NOT INSURED IN SUCH A CALAMITY, WHAT ARE YOUR OPTIONS? THINK THIS OVER.

MANY OF US INSURE OUR CARS- NOT OUR HOMES / LIVES/HEALTH.

LET’S BRIEFLY TALK OF (HEALTH) INSURANCE TODAY:

YOU CANNOT ALWAYS PREDICT WHAT HEALTH ISSUES MAY AFFECT YOU IN THE FUTURE.

YOU ALSO CANNOT FORESEE HOW THESE ISSUES MAY IMPACT YOUR LIFESTYLE, FAMILY AND EARNING ABILITY.

AN INDIVIDUAL HAS A 52% CHANCE OF HAVING ONE OF THE FOLLOWING OPERATIONS BETWEEN THE AGES OF 30 & 65:

FIGURES ARE AS OF EARLY 2009

CATARACT REMOVAL - $4K

HIP OR KNEE REPLACEMENT-$15K - $22K

HEART PROCEDURES

(INCLUDING VALVE REPLACEMENT-$40-$50K

CORONARY BYPASS-$30-$40K

ANGIOPLASTY -$20K ONWARDS & ANGIOGRAM - $4K ONWARDS)

HERNIA REPAIR - $6K - $10K

PROSTATE (INCLUDING TREATMENT/REMOVAL)-$8K - $13K

HYSTERECTOMY - $12K - $19K

GALL BLADDER REMOVAL - $5K-$8K

ENDOMETRIOSIS- $8K-$16K

HERCEPTIN TREATMENT FOR BREAST CANCER - $100K P.A.

5 BENEFITS OF HEALTH INSURANCE

• CHOICE OF WHEN, WHERE & HOW YOU GET TREATED IN CONSULTATION WITH YOUR GP

• NO STRESS ABOUT HOW TO ARRANGE TO PAY THE MEDICAL BILLS

• AVOID LONG DELAYS IN THE PUBLIC SYSYEM

• COVER NOW FOR UNKNOWN HEALTH ISSUES THAT MAY ARISE IN FUTURE

• ACCESS TO LATEST MEDICAL TECHNOLOGY & PROCEDURES

50% OF HEALTH INSURANCE CLAIMS ARE BETWEEN THE AGES 30-59.

WOMEN AGED 30-49 – GYNAECOLOGICAL, AGED 50+ BREAST CANCER, BOWEL CANCER & JOINT REPLACEMENT

MEN AGED 30-49- SKIN, PROSTATE OR COLON CANCER, AGED 50+ HEART RELATED PROCEDURES ARE MOST COMMON

CHILDREN – TONSILS, ADENOIDS, GROMMETS IN EARS