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Should you insure your kids?

Should you insure your kids?

Are you thinking about insuring your child or adding them to your health insurance plan? We receive a number of enquiries at LifeDirect from people wanting to know the benefits of insuring their children.

There are a couple of reasons why you should consider health insurance for your children.

  • The first reason is the same reason as why adults get health insurance - to cut the queue and avoid waiting lists. Generally speaking, children are taken very good care of in the public health system, but waiting lists are unavoidable. As a parent, if you want to ensure that treatment is as quick as possible, you can add your child to your existing health insurance plan.

  • The second reason to insure your child is to safeguard their “future insurability”. When you take out a health insurance policy, the insurer will assess your application, and typically exclude any "pre-existing" condition - so they won't cover any issue that already exists. Because of this, getting cover as early as possible is important as it minimises the number of exclusions a health plan will have.

Enrolling your children in a health insurance policy early on can guarantee that they have a policy free of exclusions - which is very valuable and a great thing to have as they enter adulthood.

To look into getting your child insured, jump on over to LifeDirect and compare different policies from New Zealand’s leading insurers. Alternatively, you can use our website livechat or call one of our friendly sales consultants on 0800 800 400.

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.