One of the most common questions we hear from New Zealanders is: “Do I need private health insurance if I have ACC?” It’s a great question, and the answer isn’t as straightforward as you might think.
Understanding New Zealand’s Healthcare System
New Zealand has a unique healthcare system that combines:
- Public healthcare through district health boards
- ACC for accident-related injuries
- Private health insurance for additional coverage
What ACC Covers
ACC (Accident Compensation Corporation) provides comprehensive coverage for:
- Accident-related injuries only
- Medical treatment costs
- Rehabilitation services
- Income replacement (80% of earnings)
- Lump sum payments for permanent impairment
What ACC Doesn’t Cover
- Illness or disease (non-accident related)
- Elective surgery waiting times
- Private hospital accommodation
- Choice of specialist or surgeon
What Private Health Insurance Covers
Private health insurance fills the gaps left by ACC and public healthcare:
- Illness and disease treatment
- Faster access to specialists
- Private hospital treatment
- Choice of surgeon and timing
- Additional services like dental and optical
Why Many Choose Both
The combination of ACC and private health insurance provides:
- Complete coverage for both accidents and illness
- Faster treatment for non-urgent conditions
- Peace of mind knowing you’re fully protected
- Financial security during health challenges
Making the Right Choice
The decision depends on your:
- Health history and risk factors
- Financial situation
- Personal preferences for healthcare
- Family medical needs
Get Expert Advice
Navigating New Zealand’s healthcare options can be complex. Our insurance advisors can help you understand your options and choose the right combination of coverage.
Contact Cornerstone Insurance:
- Phone: +64 211 280 727
- Email: amy.tao@cornerstonefs.co.nz
- WeChat: Amytaoingrace