OHbaby! Forums : Medical Insurance https://www.ohbaby.co.nz/forum/ Copyright (c) 2006-2013 Web Wiz Forums - All Rights Reserved. Thu, 09 Apr 2026 21:48:23 +0000 Fri, 20 Aug 2010 09:43:24 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 11.10 360 https://www.ohbaby.co.nz/forum/RSS_post_feed.asp?TID=35330 <![CDATA[OHbaby! Forums]]> https://www.ohbaby.co.nz/forum/forum_images/web_wiz_forums.png https://www.ohbaby.co.nz/forum/ <![CDATA[Medical Insurance : Southern Corss, been with them...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1131059&title=medical-insurance#1131059 Author: mummy_becks
Subject: 35330
Posted: 20 August 2010 at 9:43am

Southern Corss, been with them since 1984 when we moved to NZ as dad got it with his work.

For me it is currently $28 a fortnight for me nad the boys (DH doesn;t have it), this is about to go up to $33 a fortnight as I have claimed quite a bit so I have lost my no claims bonus.

We are on the Wellbeing 2 plan so her have specialist and hospital cover. I love the plan and will add on drs once both boys are 6.

]]> Fri, 20 Aug 2010 09:43:24 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1131059&title=medical-insurance#1131059 <![CDATA[Medical Insurance : Like Clover I am with Unimed....]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130919&title=medical-insurance#1130919 Author: AandCsmum
Subject: 35330
Posted: 19 August 2010 at 11:02pm

Like Clover I am with Unimed. They are brilliant. I have super duper mario cover & it's 82 a month for me. The lady commented to me to never drop my insurance as I'd never get the same package back, it was a better deal than their staff had. Been with them so long now!

Haven't bothered covering the kids cause medical care is free under 5. ]]> Thu, 19 Aug 2010 23:02:55 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130919&title=medical-insurance#1130919 <![CDATA[Medical Insurance : For 3 of us with Southern Cross...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130648&title=medical-insurance#1130648 Author: mummyofprinces
Subject: 35330
Posted: 19 August 2010 at 6:43pm

For 3 of us with Southern Cross $53 per fortnight.. but DH claims a lot so it costs us more!

We have specialist and hospital cover and I actually have over $2000 of claims in now so we definately get our worth!]]> Thu, 19 Aug 2010 18:43:43 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130648&title=medical-insurance#1130648 <![CDATA[Medical Insurance : We are with Soverign as well for...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130555&title=medical-insurance#1130555 Author: mrsturtle
Subject: 35330
Posted: 19 August 2010 at 4:49pm

We are with Soverign as well for life and medical which is the specialist and surgical cover its approx $100 pm the girls are also included they charge $30 for child cover no matter how many thats for so good if you are having more than 1 child. ]]> Thu, 19 Aug 2010 16:49:26 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130555&title=medical-insurance#1130555 <![CDATA[Medical Insurance : Hi there - my husband is an insurance...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130530&title=medical-insurance#1130530 Author: kiwimum2010
Subject: 35330
Posted: 19 August 2010 at 4:22pm

Hi there - my husband is an insurance broker and would be happy to answer any questions you have regarding insurance and provide quotes. Feel free to PM me for more info.
Be ware that cheaper is not always better - policies vary incredibly and there are lots of pit falls to avoid! ]]> Thu, 19 Aug 2010 16:22:46 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130530&title=medical-insurance#1130530 <![CDATA[Medical Insurance : We are with ING and for me, DH...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130529&title=medical-insurance#1130529 Author: HuntersMama
Subject: 35330
Posted: 19 August 2010 at 4:22pm

We are with ING and for me, DH and DS its $120 a month which includes is for both health and life insurance.]]> Thu, 19 Aug 2010 16:22:24 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130529&title=medical-insurance#1130529 <![CDATA[Medical Insurance : Me, dh and 3 kids with southern...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130431&title=medical-insurance#1130431 Author: kiwi2
Subject: 35330
Posted: 19 August 2010 at 2:42pm

Me, dh and 3 kids with southern cross, hospital and specialist, and it is $117 pm. ]]> Thu, 19 Aug 2010 14:42:59 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130431&title=medical-insurance#1130431 <![CDATA[Medical Insurance : For those who are added on to...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130376&title=medical-insurance#1130376 Author: clover
Subject: 35330
Posted: 19 August 2010 at 1:52pm

For those who are added on to their partners insurance through Southern Cross and paying for it themselves, it may be worth looking into how much it would cost for you and your children to be on your own policy, often adult rates on group plans are more expensive than standard rates, depending on various things like the industry/occupation and average age of the people on your partners group plan.
]]> Thu, 19 Aug 2010 13:52:39 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130376&title=medical-insurance#1130376 <![CDATA[Medical Insurance : We are on the Wellbeing 2 plan...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130359&title=medical-insurance#1130359 Author: maysie
Subject: 35330
Posted: 19 August 2010 at 1:38pm

We are on the Wellbeing 2 plan with Southern Cross. We used to be under my work cover (2 years ago was $12 p/m) but now we are under DHs work cover (approx $80 p/m - my work was obviously more generous!). We only really have it for major operations and the associated costs as if something came up we would want it to be treated immediately. I guess it's like any insurance - after having car and contents for 10 years I made a claim for a broken camera this year, first claim ever! ]]> Thu, 19 Aug 2010 13:38:30 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130359&title=medical-insurance#1130359 <![CDATA[Medical Insurance : We&#039;re with UniMed (always...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130170&title=medical-insurance#1130170 Author: clover
Subject: 35330
Posted: 19 August 2010 at 10:53am

We're with UniMed (always have been) we pay $55 for the two of us, that is specialist, surgical and doctors on their UniCare plan (second top plan). I've never been able to find anything cheaper. I've had 7 operations and they've always been excellent with approval and paying out.

Southern Cross are popular but are actually fairly expensive. Their claims history is good though which is important.]]> Thu, 19 Aug 2010 10:53:00 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130170&title=medical-insurance#1130170 <![CDATA[Medical Insurance : Southern Cross here. For DH and...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130148&title=medical-insurance#1130148 Author: kebakat
Subject: 35330
Posted: 19 August 2010 at 10:32am

Southern Cross here. For DH and I and 2 kiddies its $80ish a month for surgical and specialist care.

You really need to ring and ask because each plan varies soooo much in price as I recently changed our plan.

With kids it pays to get them on a plan asap because then they get covered for everything. MIL did this with DH and he has an eye condition. if we switched now no one would cover his eyes but cause his mum got him insured when he was born it is. I will always have exclusions on my policy because of "pre existing conditions"]]> Thu, 19 Aug 2010 10:32:00 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130148&title=medical-insurance#1130148 <![CDATA[Medical Insurance : DD and I are wit southern cross...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130141&title=medical-insurance#1130141 Author: jjands
Subject: 35330
Posted: 19 August 2010 at 10:27am

DD and I are wit southern cross its $12 pw for hosp and specialist care. With Southern cross your 3rd child is covered for free too. Southern cross give you great service with their prior approval and are always sending you newsletters and discount vouchers for things like glasses vitamins gym memberships etc. ]]> Thu, 19 Aug 2010 10:27:07 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130141&title=medical-insurance#1130141 <![CDATA[Medical Insurance : We&#039;re with Sovereign. I&#039;m...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130100&title=medical-insurance#1130100 Author: Hopes
Subject: 35330
Posted: 19 August 2010 at 9:57am

We're with Sovereign. I'm not sure exactly what we pay for the medical part of our insurance to the dollar (we pay that and our other insurance all in a lump sum) but I think it's about $80 a month. That doesn't cover GPs visits, though, just the bigger stuff.

We went with Sovereign because when we got quotes etc they were happy to completely ignore some of my pre-existing conditions (even though we gave them every detail), which was a real bonus. I've been really pleased with them, we've only claimed once for my lap surgery but they were very friendly, fast, and covered some stuff I wasn't sure whether they would - I've got nothing but good things to say about them.]]> Thu, 19 Aug 2010 09:57:51 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130100&title=medical-insurance#1130100 <![CDATA[Medical Insurance : We use Southern Cross because...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130085&title=medical-insurance#1130085 Author: myfullhouse
Subject: 35330
Posted: 19 August 2010 at 9:47am

We use Southern Cross because my Mum signed me up when I was born and now DH's work pays the premium for us and up to 4 kids. My latest letter shows DH's work pays $92 for us and the kids a month. This is for their regular care plan which covers GPs, specialists, hospital, surgery. The only things that we use that aren't covered are Optometrist and contacts etc and Osteo (although they cover Chiropractor)

ETA: although apparently I can pay extra for them to cover optometrist and contacts

Edited by Linzy]]> Thu, 19 Aug 2010 09:47:54 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130085&title=medical-insurance#1130085 <![CDATA[Medical Insurance : Who do you use and why? How much...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130069&title=medical-insurance#1130069 Author: RedHeadDuck
Subject: 35330
Posted: 19 August 2010 at 9:39am

Who do you use and why? How much (roughly?) do you pay, and what does that cover???

Was just thinking we should probably get medical insurance for DS and I. I haven't really started looking into it at all yet though. I'm 99% sure DH is covered with the IL's farm, but DS and I aren't covered. ]]> Thu, 19 Aug 2010 09:39:16 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=35330&PID=1130069&title=medical-insurance#1130069