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Personal Insurance NZ
The Adelphi Insurance Brokers four-step Personal Protection Plan is designed to help you put in place the ideal level of personal insurance to take care of your family when you can’t and give you the confidence to live the life you want to live – knowing you’ve made plans to secure your family’s future.
Your key assets are more than just your material possessions such as a house, car or business. They also include your quality of life, ability to earn an income and provide security and financial independence. If your earning potential was interrupted due to death, disability or a medical condition, these are some of the major costs you could face.
It’s hard to predict what health problems you may experience in the future. Unfortunately not all treatments or costs will be covered by the public health system, and the public health system may not give you control over the timing or quality of the care you receive. For those without health insurance, surgery waiting lists are a fact of life. If you wanted to hurry things along, the only option would be to pay for private treatment yourself, which for most people is unaffordable given that some health insurance claims are now reaching into the hundreds of thousands of dollars.
An Adelphi Adviser can sit down with you, and your partner, in the comfort of your home, and develop your family’s Personalised Protection Plan to determine the ideal Health Insurance cover you need for your family’s unique circumstances and needs.
Every day you face a wide range of risks to your personal wellbeing and lifestyle, but if you were to die early, what would be the impact on your loved ones? The truth is, it’s always a struggle when you lose someone you love, but the emotional struggles don’t need to be compounded by financial difficulties. Life insurance cover helps make sure that the people you care about will be provided for financially, even if you’re not there to care for them yourself.
Income Replacement
Your ability to work and earn an income is probably your greatest asset. A regular income helps you and your family build your assets, educate your children, enjoy the lifestyle you want and do the things you love.
There are many ways to protect your income, including monthly benefits such as Income Protection and Mortgage Repayment policies through to tax-free lump sum payouts through a mix of Trauma and Permanent Disability policies. When it comes to Income replacement, it is not a one size fits all.
Protecting your Home
Your family home is simply too valuable an asset to put at risk. Just because your health suffers a setback, your dreams of owning your own home shouldn’t have to. When illness and injury leave you unable to work, a well structured Mortgage Protection Package can protect your family from the financial consequences of not being able to meet your mortgage repayments.
Permanent Disability
An illness can erode your health and wellbeing either gradually or quickly until you’re unable to work, or a serious accident could leave you totally and permanently disabled. Unlike a life insurance policy that covers beneficiaries in the event of a death, Total and Permanent Disability (TPD) cover helps you modify your lifestyle and gives you choice and options if you’re left permanently unable to work.
It’s easy to take good health for granted. But the reality is, sometimes we become ill or have an accident and, if it’s serious, we might be unable to work again. TPD insurance pays a tax-free lump sum if you are permanently disabled, unlikely to ever work again, and will likely incur additional costs with ongoing support from multiple healthcare providers.
Trauma/Serious Illness
Ongoing advances in medical treatment mean New Zealanders have a greater chance of surviving a serious illness than ever before but it may take 6/12/24 months to recover so there is a greater need for financial support.
Serious Illness, also known as Trauma insurance, pays you a tax-free lump sum if you have a serious medical condition specified in your policy (typically covered conditions listed below).
The diagnosis of a trauma event is devastating in any circumstances, but the burden will be far greater if your financial security is also put at risk. Trauma insurance takes the pressure off, so you can spend your time focusing on recovering – not worrying about your finances!
Cancer Only Cover
There is also specialised Cancer Only Cover for people who don’t qualify for full Trauma Cover but want cover for a cancer event. This policy helps you to attack cancer, even in the early stages. Cancer Cover pays you a lump sum of money if you experience any early-stage cancer or meet the claim criteria for more severe cancers. This cover is designed to help people recover physically and financially from cancer by easing the burden of increased healthcare provider eligible costs while away from work during your recovery.
An Adelphi Adviser can sit down in the comfort of your home and develop your Personalised Protection Plan to determine the ideal level of Trauma Insurance cover you need for your unique circumstances and needs. With quick quote options available to help you assess the viability of any new policy or plans, our New Zealand based brokers work hard to find every Kiwi the right insurance coverage. With happy members dotted up and down Aotearoa, we know that you'll appreciate our brokers putting in the hard work to find affordable premiums that are right for you.
