Health insurance can feel like one of those things you set up years ago and hope you never have to think about again. But once you hit your 60s, the reality can change fast: premiums rise, health risks shift, and the difference between public waitlists and private treatment can suddenly become very real.
In this episode of The Next Bit, Hannah McQueen talks with Abby Woollaston, Risk Specialist at Redress Advice Ltd, about the big health insurance questions people need to ask as they age.
Abby explains what private health insurance can actually do for you, from faster access to specialists, diagnostics and surgery, to more treatment options and support navigating the system. They also talk about public waitlists, hip and knee replacements, major diagnostics, non-Pharmac drugs, family members helping with costs, and the nasty surprises that can happen when people discover too late what their policy does, and does not, cover.
They also unpack practical ways to reduce premiums before cancelling cover altogether, including increasing your excess, removing the bells and whistles, reviewing your policy, and getting proper advice before making a big decision.
Health insurance after 60 is not just about money. It is about time, choice, independence, and avoiding the kind of surprises nobody wants when they are already under pressure.
Live well and independent for longer. Get your whole-person assessment at www.agebrightly.co.nz
The Next Bit Host is:
Hannah McQueen - Founder of Brightly
Guest: Abby Woollaston - Risk Specialist at Redress Advice Ltd
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