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Geting Pre-Existing conditions covered

November 15, 2022

Every day we hear in the news of the hospital system in crisis, overwhelmed or unable to cope. Procedures are cancelled, patients sent home, staffing shortages and wait lists getting longer. Then we hear of people trying to use Give A Little to help fund life saving or life extending non-Pharmac drugs, which are drugs not publicly funded and can be over $100,000 a year.

Many people put off applying for health insurance as they have pre-existing conditions, but NIB have a campaign running now that cover most pre-existing conditions after 3 years, so providing the cover that is needed.

Here are some examples of pre-existing medical conditions that the campaign can look at covering after 3 years of continuous cover:

Hayfever Benign bowel polyps Basal Cell Carcinoma 
Injured & Fractured bones and joints excluding Hips, Knees and Back but including ankles, elbows, wrists, fingers, toes, shouldersBenign breast lumpsSquamous Cell Carcinoma
Carpal tunnel syndrome Cataracts  Plantar fasciitis  
Gout Sinusitis Endometriosis  
Benign Ovarian Cysts  Uterine Fibroids Kidney stones  
BunionsTennis elbow  Reflux 
Ulcerative ColitisCrohn’s Disease Melanoma in Situ 
Abnormal smears including CIN 1, 2 or 3 Tuberculosis Liver conditions outside cancer such as hepatitis, fatty liver 
Varicose VeinsThyroid disorders not related to cancerRotator Cuff

If you know someone who would benefit from having something covered so they can get medical care without having to rely on the wait list, please let us know, and we can refer you to a trusted financial adviser we partner with.

From previous campaigns, they have covered some conditions that have already being treated:

  • Deafness
  • Diabetes
  • Reflux
  • Varicose veins – 3 people treated this year
  • Fractured hands
  • Injured shoulders

In addition, NIB provide FREE $2500 a year refund for psychologist/psychiatrist consultation with no referral or previous claim necessary. And up to $600,000 non-Pharmac drugs for ANY reason, not just cancer.

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