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Major medical issues covered for between $9 & $50 per week.
If you're age 70 and under you can apply for a lifetime of comprehensive cover for cancer, stroke, heart attack & coronary artery surgery.

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"Cancer, stroke, heart attack, and coronary artery surgery are fully covered without an excess. You’ll also have access to up to $600,000 per year for non-Pharmac treatments. For other care, a $250 excess applies to major diagnostic tests, and a $10,000 excess applies to other conditions." Ruth from Vesta

    

           

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What are the major benefits of this cover

Private health insurance for individual New Zealanders
policy covers treatment for
1. heart attack
2. stroke
3. Coronary Artery surgery
4. Cancer - including $600,000 for non-pharmac drugs
(excess is waived)

Southern Cross health insurance
other benefits include
5. Cash payment for Public hospital admissions of 4 nights or more
6. Major diagnostics (MRI, CT, Colonoscopy etc - $250 excess)
7. Funeral benefit of $10,000
Private health insurance for pre-existing conditions

Limited Cover is available for any other elective surgery. The policy will cover these other treatments but will have a $10,000 excess. THis is how we keep the cost below $50 per week into advanced years 

Definition

The diagnosis criteria used by the insurer to determine if the excess is waived

Private health insurance benefits
Heart Attack
Diagnosis criteria

Myocardial infarction, commonly known as a heart attack, is diagnosed when a portion of the heart muscle dies due to insufficient blood supply. Diagnosis relies on a combination of tests, medical evidence, or a specialist's opinion, recognised by cardiology experts as appropriate criteria. Conditions like unstable angina and acute coronary insufficiency are not considered as severe as a heart attack in this context.

Non-Pharmac drug cover
Stroke
Diagnosis criteria

A stroke is diagnosed when a cerebrovascular event causes brain damage, which is evident on CT, MRI, or a similar scan. This damage can be in the form of brain tissue infarction or intracranial/subarachnoid hemorrhage. Other conditions like transient ischemic attacks, migraines, brain injury from trauma or oxygen deprivation, and eye-related or vestibular vascular diseases are not considered as strokes in this context

Coronary artery surgery
Diagnosis criteria

Means the actual undergoing of Coronary Artery Bypass Grafting to correct or treat coronary artery disease.

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Serious Cancer
Diagnosis criteria

Cancer refers to the uncontrollable growth and spread of malignant cells, including conditions like leukemia, lymphoma, and Hodgkin's disease. It leads to the invasion and destruction of normal tissue and may require surgery, immunotherapy, chemotherapy, or radiotherapy as determined by a specialist. Non-melanoma skin cancers are excluded, except when they necessitate surgery under general anesthesia or require chemotherapy, radiotherapy, or immunotherapy prescribed by a specialist.

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Major Diagnostic Tests Covered

These major diagnostic tests are covered with a $250 excess (per year that you claim)

• Angiogram
• Arthroscopy
• Cardiovascular ultrasound
• Colonoscopy 
• CT Scans 
• Cystoscopy
• Dilation & Curettage 
• Echocardiography 
• Endoscopies including but not limited to Capsule Endoscopy
• Gastroscopy 
• Hysteroscopy 
• Laparoscopy 
• MRI Scans
• Myelogram 
• Myocardial perfusion scans
• Nuclear Stress Test
• PET Scans
• Scintigraphy
• Sigmoidoscopy

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Testimonials

I purchased a Major Medical policy in March and had to file a claim for an expensive diagnostic test a few months later. I was pleasantly surprised by the straightforward claim process; they even approved my urgent claim on a Sunday! I highly recommend this coverage to anyone seeking health insurance for significant health issues or those who can no longer afford their current policy, but still want to be covered for major health issues.
KJ from Christchurch (June 2025)

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Contact options

0800 283 782

info@vestacover.co.nz