ING Life Major Medical Cover: Why you should recommend it to your clie

The problem
At ING Life, we believe health insurance is particularly important as health care services continue to become more sophisticated and expensive.  In addition, good as New Zealand's public health system is, it suffers funding problems issues which are likely to increase as our population ages.  This lack of funding creates two main problems, scarce medical resources (leading to waiting lists and delays in treatment) and limited funding of drugs and treatments (PHARMAC subsidises less than half the medicines approved by MEDSAFE and sometimes then only if the treatment is provided by the public system).  Most clients therefore need medical insurance to fund these two very serious shortcomings in the public system.  

Cover for non-funded drugs
We believe all of us should have access to the best possible treatment when we are sick.  For this reason our medical insurance cover, unlike most others, does not limit drugs and treatments to those funded by the Government (PHARMAC). When it comes to solving the two main problems, ING Life's product ticks both boxes!

No right to unilaterally change policy wordings (benefits)
We believe that as long as our clients pay their premiums we should not be able to change their benefits without their permission (something other companies can do!).  After all, wouldn't you want the certainty of knowing that what you are paying a premium for will be there for you when you need it?

No "dollar swapping"
At ING Life we also believe it is inefficient to ask someone else to pay our small medical bills as this simply forces premiums up too much.  Accordingly, ING Life's medical insurance does not cover regular visits to the doctor, optometrist or dentist, for instance.  We believe that it is only necessary to insure the larger medical bills that come along from time to time and by doing this we are able to keep premiums as low as possible.