Apply for Health Insurance Online |
| It's easy, simply click here to get a quote. Once you have entered your details & selected the amount of cover you wish to apply for, click "Buy online" & confirm your purchase. At this stage you will be able to click begin application & proceed through entering all of your details. |
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What questions do you ask? |
Our online application is split into 7 sections as described below:
Personal details |
| Information about how to contact you (e.g. address, phone), & your lifestyle (e.g. smoker, height / weight) |
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Occupation |
| Industry / Occupation |
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Insurance History |
| Information about any current cover you may have & any previous applications for cover |
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Medical Information |
| Questions to establish your health history. Please be aware the application process will ask you further information regarding any medical issues you have had. |
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Activities / Residency |
| Information on your NZ residency status & any hazardous activities you may pursue |
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Payment information |
| Direct debit or Credit card payment details (Note that monthly premiums only commence once a policy is accepted) |
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What information do I need to have prepared? |
In order to complete your application for cover as quickly as possible, you should consider ensuring you have the following information ready
- Doctor / Medical practice contact details
- Information regarding any past medical conditions
- Bank account or Credit card details |
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| How long does it take? |
This depends on a number of factors. Firstly, your answers to the questions dictate whether you may have to provide further information. Secondly, it will depend on how quickly your browser is able to load each page. Our site is designed to be quick to load on all major browsers. It usually takes an average application approximately 15-30 minutes to complete (note time is longer if you are completing a joint application, as you must both answer the questions asked).
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| What happens if I can't find the information neccesary to answer a question? |
| You have the option of saving your online application & returning at a later time when you have retrieved the information necessary to complete your application. Click "Save my application" in the top right of the application screen. You will be requested to enter a password to allow the continuation of your application later. |
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| Do I have to answer all of the questions? |
Yes, you must answer all of the questions that are indicated as required. This is normally shown with a *, however you will find that most of the sections will require you to answer all questions.
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What happens after I have completed my application? |
Firstly, you will receive a confirmation email from us including a PDF document outlining the cover you have applied for. We will also send you any applicable documents to return to us (you can choose to have these emailed to you for fax back, or we will arrange for them to be couriered to you - at no cost to you)
When we have received the above signed documents we will submit your application to the chosen provider. They will assess your application & advise one of the following:
Policy accepted |
| If your policy is accepted we will send you a confirmation email to advise you. You will also receive a full policy document in the mail. |
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Futher information required |
| If any additional information is required the selected provider will contact you (either by phone, or through us) to gather this info. |
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Doctor's Medical Report |
| If you have disclosed a medical condition which the provider needs additional information regarding, they may write to your doctor (or medical practice) to gather that information. |
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Medical Appointment |
| If you have applied for a higher level of cover (refer below to underwriting limits), or your build is non-standard, the provider will require a blood test to be performed (This is fully paid for). This is either done by a healthscreen nurse (Sovereign), or can be completed by your doctor. |
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Special Acceptance |
| Upon completion of assessing your case, the provider you have selected may accept your cover with special terms (these can either be an increased premium, or an exclusion on a particular condition). In this case we will contact you & discuss your options. You will need to sign your acceptance of any terms offered |
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Declined / Deferred |
| In some cases the provider you have selected may not be able to offer you the cover you have applied for, or may defer your application for a period of time. In this case we will be in touch with you & advise what options are available to you. |
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| When are blood tests required? |
| Blood tests are not normally required for health insurance, however in some cases an insurer may request this based on your previous medical history. |
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| Is my information confidential ? |
| Yes. All of your personal details are held confidentially between LifeDirect, Pension Transfers & the selected insurance provider. |
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| Administration of your application |
| The LifeDirect Team will be in contact with you to update you on the progress of your application. You are welcome to contact us at anytime if you have any questions regarding the progress of your application. |
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www.pensiontransfers.co.nz
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