Health or Private Medical Cover
There are many benefits to health or private medical cover. The public health system will treat major and acute illness (e.g. heart attack, stroke and some cancers), however you will be placed in a waiting list if you have a degenerative condition or your treatment is considered “elective” or non-urgent.
Private Medical Cover is designed to help meet the costs of treatments and procedures and jump the public system waiting list.
Trauma cover provides a lump sum payment should you suffer a serious or potentially life threatening / changing condition.
The trauma cover benefit can assist you to stabilise your financial position following a significant health event.
Income protection provides a financial safety net should you be disabled as a result of sickness or injury, which means you are unable to earn your regular income.
The benefit is designed to replace a significant portion of your income to help maintain your usual lifestyle during treatment and recovery.
If you are self-employed income protection can be used alongside ACC Cover Plus Extra to reduce your ACC levies, at the same time providing cover for both accident and illness.
Total and Permanent Disability Cover
Total and Permanent Disability (TPD) provides a lump sum payment should you completely lose your ability to ever work again (or carry on your normal tasks associated with normal living activities), as a result of illness or injury.
TPD Cover is designed to help alleviate the significant financial impact that losing an income forever would cause.
The lump sum can help reduce debt, purchase specialised equipment, pay for home modifications, provide additional care, create an investment fund to generate ongoing income or to enable business ownership to be restructured.
Geoff Pace has been an insurance advisor for 17 years. He joined with the Allcover Group late last year. Geoff was previously in the transport industry for 32 years, mostly spent with running his own company. He has a business management diploma from ATI and served for a while in the NZ Army.
He has enjoyed 48 years of happy married life and has three adult children who have all gone on to successful professional careers.
Geoff believes that a basic building block of a person’s insurance portfolio is to have medical cover in place. He believes that protecting your health, is primary to protecting your ability to earn an income.
Later on in life, once all major debt contingencies are out of the way, personal insurance can accordingly, be ‘wound back’. Medical cover however, should continue irrespective of this.
After retirement we need to be mindful of the fact that we are not ‘built like Toyotas’- we do wear out! ….and, getting things fixed can be very costly!
Key Financial Advisor
Dup specialises in helping individuals, families and business owners protect their financial security. He focus on the risks that you could face when things go wrong and ensure that you have the right cover in place.
Dup has an extensive business background, having held key roles in businesses in South Africa, the United Kingdom and New Zealand.
He also specialises in assisting expatriates in New Zealand to gain peace of mind about their future financial security. Dup achieves this by helping them to obtain the best affordable cover, financial advice and connecting them with his network who can assist them in the settlement process.
Dup and his family moved to New Zealand 15 years ago and, therefore, understand all the challenges that you have been through and will continue to go support you as you adjust to a new way of life. He have helped many expatriates achieve financial security by making intelligent financial decisions, and implementing the best possible cover, within their budget, to protect themselves and their family... Because Life Happens.
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