Insurance

Let’s face it, the unexpected happens. That's when we wish we had insurance to keep us as protected as possible. Health, life, income and trauma. All different insurances that could keep you and your loved ones as secure as possible in the face of the unforeseen.

Protect what matters to you

We use language that you can understand

If you have ever read an insurance document, you will know that its like trying to learn a new language whilst standing on your head! What we do is take the industry jargon and lay it out for you in an easily digestible format. We appreciate that what is important to one client is not always the same for another. For this reason, we take the time to learn what is important to you and your family. Working backwards, we will determine the needs and the wants. Once we figure this out we will build you a plan that best suits your unique story.

Don't get caught out by the unexpected

Getting insurance is not a set and forget service. It shifts and changes over the course of your lifetime. Your needs will change as you progress through life and its many stages. As you accumulate wealth and debt (mortgages), or make little people, your insurance needs will change. This is the beauty of working with a company that doesn’t only deal with insurances - we get a kick out of seeing all these pieces work in synergy. We will build you a personalised plan that means you are covered for all eventualities, then when something does arise, we will drive the claim so you can spend your precious time with the people you love, doing what you love.

Let's get you sorted with health insurance today

Drop us a line and let's put our heads together and have a chat. We are more than happy to catch up and fact-check your existing cover and ensure you are covered they way you think you are. As always, you can rest assured this is a free service, and fully confidential.

So why would you want to work with us?

We ask you what you want

We know what is important to you beacuse we care and take the time to ask. We want to ensure that any cover you have is fit for purpose and remains that way.

We only work with the best

We have taken the time to canvas the market and ensure we work with the companies we feel are the best fit to cover all demographics in the marketplace, because there is no one-size fits all.

Sit back and relax, while we drive

Once you are happy with the created portfolio of cover, we will help walk you through all underwriting processes and get you all set up so you are good to go, safe in the knowledge you are covered in all eventualities.

Insurance 10 years early costs a lot less than 5 minutes late

Let's ensure that you are covered and can enjoy your life, safe in the knowledge that the protection is there. Don't leave getting insurance until you need insurance... because by then it is too late.

Let's get insured

What you need to know about health insurance

This section will be for FAQs (I can only add these once we pay for an account)

What is the need for life insurance?

There are two main mindsets for life insurance. This first is to 'maintain' the lifestyle of your loved ones after you have passed. This essentially means that all your debts will be covered so they are not burdened with them. The second mindset is to improve the lives of your loved ones, to elevate them. Both ensure Funerals are covered, as these can be a costly affair. Life insurance can really be whatever you want it to be so have a chat with us to see what your options are.
What happens if you don't tell the insurer something important?

In short, your insurer could rightfully deny you cover for exclusions that you failed to disclose. It is important to be truthful when signing up to insurance so you can be protected to the fullest.
Is it worth getting health insurance in NZ?

We are lucky here in NZ. We have a few safety nets that are already in place to care for our health. There is the public health system and ACC for accidents. If you need "acute" surgery the public health system will care for you, but you will be triaged against other patients, which means it could be some time before you get seen. And for most, your care will only be subsidised so you still may face a big bill at the end of it. With private health insurance, you will get in front of the right people much quicker, which is priceless for peace of mind. Non Pharmac treatment options are also available through private health insurance. This can be a 'make or break' for treatment.
How much is health insurance in NZ?

Well this depends on who you are and what you want to cover. There are a variety of packages and providers on the market so we would take time to focus in on what it is you need. But "how much?" we hear you ask again... As much as we would love to give precise figures, it is all on a spectrum from quite cheap to quite expensive. Tell us all about your needs and what you're able to spend and we will find the right package for you.
Which employer has the best health insurance?

Luckily, more and more employers are providing health insurance as staff are requesting it. This is more likely to be by big firms, but Naked Finance is part of a group that can offer health insurance packages for teams as small as five people! We are more than happy to have a chat to your employer if you'd like to introduce the conversation. Speak to us to find out more.
What are the different types of insurance? Is it just Health and life Insurance?

Well health and life insurance are the two most widely known, but there are several other services that are worth your consideration. Trauma / Disability insurance is generally known as a lump sum product where you get paid out a lump sum when you have a critical illness. And income protection replaces the income you will lose while you're not able to work. If you think you can protect yourself against more, chat with us to see what packages will be best for you.