sylverstream @ sylverstream @lemmy.nz

Posts

40

Comments

467

Joined

2 yr. ago

I've got a CCWGTV and can't be happier. Replaced the default launcher with Stremio, Streamtube and Kodi prominent at the top.

Yep not willing to find out.

Some cancers are excluded though like skin and prostate cancer, unless it meets certain requirements.

I've read their policy for cancer cover and it's mainly talking about which types of cancer they cover.

Yes, interesting question! I've asked Bing as I'm tired of reading all policies :)

For Southern Cross Wellbeing One, the eligibility requirements for non-pharmac medicines are:

• The medicines must be prescribed by a registered medical practitioner for the treatment of a covered condition.
• The medicines must be Medsafe approved but not funded by PHARMAC.
• The medicines must be administered in a recognised private hospital or by an Affiliated Provider.
• The medicines must be covered under the Cancer Assist benefit, which has a limit of $10,000 per claims year and is subject to prior approval.

A doctor prescription is not sufficient to claim for non-pharmac medicines. You also need to obtain prior approval from Southern Cross before you receive the treatment.

I did a quick search and some non-pharmac medicines can cost up to $200k/year. Standard cover from SC is $10k... It's $50 monthly extra to cover $300k.

Not sure about the therapies you mention though. However, I think e.g. SC would be better than AA Health/NIB, so for us still worth the switch.

Based on this article I'm not very confident in the public health system: https://www.newshub.co.nz/home/new-zealand/2023/10/cancer-patient-advocates-say-health-system-reforms-are-taking-far-too-long.html

I've learnt the hard way to never lie to your insurer...

Thanks for sharing this! I'm concerned about the low rating of NIB, so think we'll switch to Southern Cross. The only annoying thing I've found with them is the low cancer cover ($60k for chemo, $10k for non-Pharmac). For $50 / month it can be increased to $300k cover.

You're right, it doesn't make much sense to have cover for specialist. So far the couple of times we've had a scan/xray it was always below our excess. We mainly want to have cover for very expensive treatments.

We're using it 6-7 days a week, and then the prices went up indeed, to same level as AA. AA doesn't ask that question.

It's for a Leaf, for some reason they are more expensive to unsure.

Haha yes. I did find some older reviews with claims. After some better comparison I found they are not much cheaper so we stick with AA.

Thanks for those stats! We have health insurance with AA which is underwritten by NIB. They are substantially cheaper than SC but have better terms for eg major surgery and cancer care, things we find important. We pay about $200 monthly for a family of four and it includes specialist care and has a $500 excess. SC for a similar plan was almost double.

But they must make up for the difference somehow. Do you have any explanation for this difference? I appreciate this is going off topic.

I just double checked the policy, and if I select the same amount of cover, additional items, Cove is about the same price as AA. So I won't be switching.

Oh, feel free to DM me your referral link, as I may sign up and I believe you'll get a discount then?

Just found out that on Feefo you can filter on people with claims. They don't seem to have recent reviews, but the rest looks pretty solid: https://www.feefo.com/en-GB/reviews/cove-insurance?withMedia=false&timeFrame=ALL&displayFeedbackType=SERVICE&team-tags=Claims

Based on this Reddit post: https://www.reddit.com/r/PersonalFinanceNZ/comments/o12a5q/experience_with_cove_car_insurance/

I don't mind going back to Reddit. While I like Lemmy, it still doesn't have the numbers & engagement as Reddit still has unfortunately. Thanks!

I've used Priceme to track prices for Chromebooks and worked well.

I've used Priceme, seems to be getting better. Pricespy has even disabled their login system in NZ as it's owned by a Scandinavian country.

I've recently bought Mad Max, so it's pretty good? Will start it soon!

I gave up after giving it a try four times. Just not for me. It gets raving reviews though.

Thanks, I've disabled the right click Win 11 menu on launch as it was terrible, missed a lot of functions, but good to know it's better now.