Health Insurance for Cancer Cover
Understanding cancer coverage in New Zealand health insurance. Treatment options, costs, and choosing the right protection.
25,000+
New Cancer Cases Annually
$100,000+
Average Treatment Costs
6-12 Months
Typical Waiting Periods
Why Cancer Cover is Essential
High Treatment Costs
- Chemotherapy can cost $50,000+ per year
- Radiation therapy sessions $2,000-5,000 each
- Surgery costs $20,000-80,000+
- Targeted therapy drugs $100,000+ annually
Public vs Private Treatment
- Faster access to specialists and treatment
- Access to newer treatments and clinical trials
- Choice of oncologist and treatment facility
- Private room and enhanced comfort
Cancer Coverage by Treatment Type
Surgery & Procedures
- • Tumor removal surgery
- • Biopsy procedures
- • Reconstructive surgery
- • Port implantation
Medical Treatments
- • Chemotherapy sessions
- • Radiation therapy
- • Immunotherapy
- • Targeted therapy drugs
Support Services
- • Oncology consultations
- • Diagnostic imaging
- • Pathology tests
- • Pain management
Best Health Insurance Plans for Cancer Cover
Wellbeing One
- ✓ Unlimited cancer treatment
- ✓ Latest chemotherapy drugs
- ✓ Radiation therapy included
- ✓ Access to private oncologists
Ultimate Health
- ✓ Up to $600k surgical benefits
- ✓ $300k non-surgical treatment
- ✓ Specialist consultations
- ✓ Advanced treatment options
Premier Care
- ✓ Cancer treatment covered
- ✓ Vitality wellness support
- ✓ Second opinion services
- ✓ Mental health support
Important Cancer Coverage Considerations
Waiting Periods
- • Most plans have 6-12 month waiting periods
- • Pre-existing cancer typically excluded
- • Some plans offer immediate accident coverage
- • Review terms carefully before enrolling
Coverage Limits
- • Check annual and lifetime benefit limits
- • Understand drug formulary coverage
- • Verify specialist and facility networks
- • Review exclusions and restrictions
Frequently Asked Questions
Will health insurance cover my cancer if I'm already diagnosed?
Pre-existing cancer conditions are typically excluded from new health insurance policies. However, you may still be able to get coverage for future, unrelated health conditions. It's important to apply for coverage before any diagnosis.
How long are the waiting periods for cancer coverage?
Most health insurance plans have waiting periods of 6-12 months for cancer coverage. This means you must hold the policy for this period before cancer-related claims will be covered.
What cancer treatments are typically covered?
Comprehensive plans typically cover surgery, chemotherapy, radiation therapy, specialist consultations, diagnostic tests, and hospital stays. Some plans also cover newer treatments like immunotherapy and targeted therapy.
Get Peace of Mind with Cancer Coverage
Compare health insurance plans with comprehensive cancer coverage from New Zealand's leading providers.