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How does health insurance work while you're overseas?

How does health insurance work while you're overseas?

Most of the insurers that we work with at LifeDirect will offer an “overseas treatment” benefit. So, what is an overseas treatment benefit?

First things first, an overseas treatment benefit is not the same as travel insurance. If you get yourself in a pickle and end up with a broken leg on a Colorado ski-field, your health insurance policy back in New Zealand can do nothing to have you patched up or brought back to New Zealand (to say nothing of replacing those expensive skis).

So you may be thinking, what’s the point?

An overseas treatment benefit means that if you become ill and the treatment you require is not available in New Zealand but is available overseas, your insurer will help with the cost of the treatment. This means that you can access treatment that might be too new for New Zealand, or that we simply don’t have the expertise available in the country.

That’s a basic rundown of having overseas treatment added to your health insurance policy. There are limits to this, but overall this is a great benefit. If you’d like some further information, jump on over to the LifeDirect website here, and start a free quote so you can start comparing New Zealand’s leading insurers now. Alternatively, you can give us a call on 0800 800 400 and speak to one of our sales consultants.

About the author

At LifeDirect, our core belief is that Kiwis deserve clear and straightforward choices when buying insurance. We hope this little bit of information will help you to make smarter decisions with insurance.  

If you want to get in touch, our Customer Care team based in Wellington is here to take the pain out of setting up your insurance.