BNZ Premier Healthcare

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Saturday, February 20th 1999, 12:00AM

by Philip Macalister

Simple, convenient, cost-effective health insurance which provides security for you and your family.

Your Health Insurance Needs

New Zealand's public health system is well equipped to deal with emergencies, and most of us are confident that if urgent care is required, then a public hospital will do the job.

Non-urgent cases, however, are another matter. We have all heard horror stories about the waiting lists which exist for various types of elective surgery.

Your Health Insurance Solution
Bank of New Zealand Premier Health Care insurance provides you with the security to stop worrying about these issues.

The policy is called 'Premier Health Care' because it takes care of major medical costs - surgery and similarly serious treatment. Although Premier Health Care does not cover the small, day-to-day costs like prescriptions and doctors' visits, these are not usually the expenses which worry us and insuring them usually turns out to be more expensive than it is worth.

Instead, Premier Health Care offers cost-effective security. By holding this policy you protect yourself and your family against the expense of a serious medical problem, at the same time ensuring that you will not have to join long waiting lists for non-urgent surgery.

Because if the worst does happen, the last thing you need to worry about is expense and delay.

What's Covered
Premier Health Care covers you for the cost of surgery in a private hospital, which includes:

• Surgeons' and anaesthetists' fees

• Pre- and post-operative specialists' fees within 6 months of the date of surgery

• Surgically implanted prostheses

• Diagnostic procedures leading to surgery in a Private Hospital

• Ancillary treatment charges incurred while in hospital

• Oral surgery

• Physiotherapy following surgery

You are also covered for the cost of medical treatment in a Private Hospital for:

• Angiography, Angioplasty and Lithotripsy procedures

• Other treatment resulting in admission to hospital limited to $5,000 (special conditions apply)

• CT and MRI scans up to $2,000

(The above list is a summary only. For full details please refer to the Premier Health Care Policy Document, which may be obtained from any Bank of New Zealand branch.)

What's Not Covered
• Any treatment received within 3 months of the commencement date of the policy (except if you cancelled your existing cover to take out Premier Health Care and the treatment is covered by Premier Health Care and would also have been covered by your previous policy)

• Pre-existing conditions unless accepted by the Insurer (an extra premium may apply)

• Accident costs covered by the Accident Rehabilitation and Compensation Insurance Corporation (ARCIC)

Any benefit under this policy whether directly or indirectly arising from:

• Pregnancy, childbirth, and abortion

• Treatment of infertility or obesity

• Contraception of any kind

• Dental treatment including periodontal work

• Elective cosmetic surgery and associated treatments

• Conditions arising from misuse of alcohol or drugs

• Suicide, intentional self-injury or self-induced illness

• Sterilisation within two years of commencement date and then only when it is necessary to protect the health of the insured person

• Congenital conditions

• Certifiable mental disease, psychiatric treatment and senile illness

• Treatment of AIDS or HIV related illness

• Costs incurred, injuries received or illness contracted outside of New Zealand

• Photorefractive keratectomy and radial keratectomy (correction of short sight) and any equivalent procedure to correct long sight

(This is not a comprehensive list of exclusions. Other exclusions are set out in the Premier Health Care Policy Document, which may be obtained from any Bank of New Zealand branch.)

Action
If you would like to apply for Premier Health Care, come into your local Bank of New Zealand Branch and talk to our staff about what is involved.

You will find that making an application is a very simple and quick process.

In most cases we will be able to issue your insurance on the spot once you have completed the application. In some circumstances (such as if you are applying for cover for a pre-existing condition) we may need to spend more time considering your application. If that happens we will usually have an answer for you within 24 hours.

Premium Rates
These premium rates are indicative only your final premium will depend on an assessment of your completed application form. Please ask your Bank of
New Zealand representative to prepare a personalised quote for you.

• The premiums in the above tables include GST. A discount of 10 per cent for existing PremierCare package discount customers is available.
• Family includes two or more children under the age of 20 years old.
• Premiums for couples and families are shown on the basis that they are in the same age brackets. Premiums will alter if a spouse or partner is not in the same age bracket or if children are 20 years of age or over.
• Premiums increase as your age moves into a new age bracket.

Features of Premier Health Care

Public hospital waiting lists avoided

• Pays the full costs of surgery up to the maximum sum insured of $60,000

• Overseas treatment up to $10,000 if essential surgery unable to be performed in New Zealand

• Transfer costs by ambulance to or from a Private Hospital for surgery

• If the eldest person insured is under 60, waiver of premium for 12 months for surviving Insured Persons in the event of the eldest Insured's death (where the Insured is shown as two persons this only applies upon the death of the first)

• Travel and accommodation allowance up to $600 for a support person when surgery takes place more than 150km from home - a daily limit applies

• Parents' travel and hospital accommodation up to $750 will be paid if a child aged 5 years or under requires attention in a Private Hospital - a daily limit applies

• A public hospital grant of up to $500 is payable if you are admitted to a public hospital for surgery on a non-fee paying basis (provided your surgery is not due to personal injury).

• Pays up to $1,000 for home nursing following surgery -
a daily limit applies

• Premiums are discounted if you are an existing PremierCare customer (special conditions apply)

• Family discount if more than one family member insured

• No excess applies, however, you may select a voluntary excess which will discount your premium

• Free cover for your third and subsequent children living at home or studying away from home where at least one parent is insured under the policy

• Fly Buys.™ points are awarded to members of that programme based on premium amount

• Choice of paying premiums annually, or by monthly/ fortnightly instalments with no additional charge

Further Information

For more information on Premier Health Care talk to your Personal Banker, or call us free on

0800 502 900

Premier Health Care is arranged by Bank of New Zealand, and is underwritten by the Insurer, Norwich General, a division of State Insurance Limited, a member of The Insurance Council of New Zealand Inc.

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