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Why do you need health insurance? 

If you were to become unwell, you would want to take steps to get back to good health as soon as possible. While New Zealand does have a public health system, you are not always guaranteed fast access to treatment. This means you may be waiting for months in pain for a specialist consultation and subsequent treatment. Your conditions could even deteriorate.

The reality is that while you may be in good health now, it is likely that you or someone you love could experience a significant health problem. Having faster access and a greater choice of treatment options means you can get back to work faster, so that you can continue to earn an income and pay those important expenses such as your mortgage.

Who claims for health insurance?

  • The largest claim we have received for treatment of a single condition is $128,000 for cancer (claim ongoing), followed closely by a claim for $122,000 for multiple heart problems1
  • The largest claim amount over the duration of a single TOWER policy is more than $246,0001
  • 15 clients have had claims approved for over $60,000 each in one year2
  • 54% of TOWER health insurance claimants are aged 30-591

Could you afford to pay for these treatments?

Many people do not realise the actual cost of a private health treatment. Could you afford to pay for these treatments in the private health system if you didn't want to wait on a public hospital waiting list?3

Roll over the dots and see the true cost of various health treatments today. You can click on as many treatments as you would like to get an overview of the true cost of health claims.

Paying for your own health treatments can really hurt your pocket. So to find out more about protecting your health, get an obligation free quote online.

Case studies

For examples of how health insurance has helped real people, read our health insurance case studies >>

More information

Find out more about the health insurance options available through TOWER >>
Get an online Premier Health quote >>

Sources: 1 TOWER claims information as at December 2011, 2 TOWER Health & Life claims information for the 12 months ending Nov 2009, 3 * TOWER claims statistics Jun 2010. Health Funds Association of New Zealand, Jan 2010.