News Video | Policy | GPs | Hospitals | Medical | Mental Health | Welfare | Search

 


Low Claim Reward To Add Impetus To Public Health

Media Information
12 September 2004

Southern Cross low claim reward to add impetus to
public health messages

The country’s biggest health insurer is putting its weight behind the healthy living message, and will back it up with up to $30 million worth of premium discounts.

Group Chief Executive, Dr Ian McPherson, says Southern Cross will launch a 10% low claim reward to its members from the middle of 2005, to add impetus to public health awareness campaigns.

“New Zealand is facing some serious health issues. Public health campaigns like Smokefree and Push Play are trying to address those issues by highlighting the health benefits of lifestyle choices. As the health insurer for around one in every five New Zealanders, we’ve resolved to back that up with tangible financial incentives.”

Dr McPherson says the low claim reward initiative will reduce premiums for around 70% of the Society’s adult members on individual or voluntary group scheme policies. “We expect that will translate into savings for Southern Cross members totaling around $30 million.”

“The traditional role of health insurance has been to provide access to healthcare when people are sick. We want to expand and supplement that role by actively encouraging good health.”

The low claim reward follows other Southern Cross initiatives aimed at encouraging good health. In December 2003 it introduced a Healthy Lifestyle Reward with its Wellbeing insurance plan, which discounted premiums for new members based on a simple questionnaire addressing smoking, drinking, exercise and healthy eating.

“The low claim reward is the next progression, based on the assumption that healthy lifestyle choices translate into fewer claims. We will recognise and reward lower claiming through cheaper insurance premiums.”

Dr McPherson says the low claim reward scheme is an innovative adaptation of the no claim discounts offered by many vehicle insurers.

“A no claim discount on vehicle insurance discourages people from claiming for small dings and dents. That approach would be completely at odds with our philosophy of enabling better access to health care.

“We are adapting the concept into a low claim scheme that provides simple and direct financial rewards for healthy people, without creating a financial obstacle for members who need treatment. We are in the business of helping people.

“A $45 visit to the GP can mean a quicker return to health and prevention of longer-term health problems, so we’re saying to members ‘don’t hesitate to go to the doctor when you need to’.”

Dr McPherson says the low claim threshold will vary depending on a member’s plan type. “As an indication, a 40 year old member on our RegularCare plan would be able to claim back treatment costs averaging up to $300 a year, and still earn the 10% low claim discount. An older member who pays more in premiums would have a higher threshold.”

The Low Claim Reward Scheme is unique in the New Zealand health insurance market, and will begin to roll out to qualifying Southern Cross members from May 2005, at the start of the insurer’s next annual renewal cycle.

It will be available on most Southern Cross plan types for adult members who pay their own premiums (ie are not part of a subsidised employer scheme).


ENDS

© Scoop Media

 
 
 
 
 
Culture Headlines | Health Headlines | Education Headlines

 

Scoop Review Of Books: Almost Getting Away With Murder

The Black Widow by Lee-Anne Cartier: Lee-Anne Cartier is the sister of the Christchurch man found to have been murdered by his wife, Helen Milner, after an initial assumption by police that his death, in 2009, was suicide. More>>

Howard Davis: Triple Echo - The Malevich/Reinhardt/Hotere Nexus

Howard Davis: The current juxtaposition of works by Ralph Hotere and Ad Reinhardt at Te Papa perfectly exemplifies Jean Michel Massing's preoccupation with the transmigration of imagery in a remarkable triple echo effect... More>>

Scoop Review Of Books: Nō Tāu Manawa

Vaughan Rapatahana responds to Fale Aitu | Spirit House by Tusiata Avi.
More>>

9 Golds - 21 Medals: NZ Team Celebrates As Rio 2016 Paralympic Games Close

The entire New Zealand Paralympic Team, led by kiwi sprinter and double gold medallist Liam Malone as flag bearer, are on the bus to the Maracanã Stadium in Rio de Janeiro for the Closing Ceremony of the Rio 2016 Paralympic Games. There, they will celebrate the fantastic successes of the past 10 days. More>>

ALSO:

New Zealand Improv Festival: The Festival Of Moments To Return To The Capital

The eighth incarnation of the New Zealand Improv Festival comes to BATS Theatre this 4-8 October , with a stellar line-up of spontaneous theatre and instant comedy performed and directed by top improvisors from around New Zealand and the world. More>>

ALSO:

CDF Tim Keating: NZ Somme Centenary

"Our generals also knew what to expect, and they built that knowledge into their planning. Each of the four set-piece attacks was fought with a single brigade, with the expectation that the brigade would be used up. A fresh brigade would then be brought up to conduct the next set-piece..." More>>

ALSO:

Get More From Scoop

 
 

LATEST HEADLINES

 
 
 
 
Health
Search Scoop  
 
 
Powered by Vodafone
NZ independent news