How to beat the waiting list for an operation

Stuck In A Jam Needing Surgery?
Jun 6, 2017

How to beat the waiting list for an operation 

If you’re anything like me, I hate sitting in traffic and going nowhere. Sometimes though there is nothing you can do about it. However, if you have SatNav in your car you can usually work out a detour.

Now, imagine you are stuck on a waiting list waiting for an operation – you can’t work, you are in pain and you are told you do not meet the criteria for treatment. What is your detour or ‘work around’?

If you are concerned about having to wait unreasonably for surgery (or even worse having to qualify for the waiting list before having to wait) then medical insurance is definitely worth looking at.

The earlier you get cover the better.

The earlier you take out the cover the better with costs obviously being lower and cover being in place before you have built up a long list of pre-existing conditions as you age.

Other benefits are

  • Cover for non-PHARMAC drugs, which is especially important for expensive non funded drugs.
  • Quick treatment and surgery when suits, which avoids further deterioration of health.
  • Less time off work, especially for those in physical jobs.
  • Back to enjoying your usual lifestyle quicker and doing what you love.
  • Option to cover your children or grandchildren, regardless of whether adult cover is place.
  • General peace of mind, especially knowing when things start to wear out as you age, they can be replaced!


The excess is worth it.

Most medical insurers offer excess levels options from $0 to $10,000. The excess is the amount you pay towards a claim and the higher the excess the lower the premium. You can also alter excesses to suit changing circumstances.

Whilst you might think having a high excess is ridiculous, having to find $10,000 in later life for that heart valve replacement (can cost up to $62,000) or new hip (approx. $30,000) is a lot easier than having to fund all of the cost privately or waiting to be put on the public waiting list for surgery.

At Foresight Financial Planning, we can answer your questions and help you find a solution, so why not contact us to see what we can do for you. There is no cost or obligation for talking to us but we can promise to deliver the very best of advice with friendly personal service.