Step-by-step guide to making health insurance claims in New Zealand. From preparation to reimbursement, we'll walk you through the entire process.
Hospital/specialist bills your insurer directly. You only pay the excess.
You pay upfront and claim reimbursement from your insurer.
Insurer pays their portion directly, you pay the remainder.
Problem: Incomplete forms or missing documents result in claim rejection.
Solution: Double-check all requirements before submitting. Keep a checklist of required documents.
Problem: Treatment occurs during a waiting period for your policy.
Solution: Check waiting periods before booking treatment. Consider deferring non-urgent procedures.
Problem: Insurer questions whether treatment is covered under your policy.
Solution: Get pre-authorization for expensive procedures. Review your policy schedule carefully.
Understanding the claims process is important, but having the right coverage is essential. Compare health insurance plans today.
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