Life & Health Insurance

Protect What Matters Most – Your Health, Income, and Loved Ones

At InsightFinance, we understand that life is unpredictable — but your protection shouldn't be. Our Life & Health Insurance services are designed to provide financial security and peace of mind when you need it most. Whether you're protecting your family, safeguarding your income, or ensuring access to quality healthcare, we offer tailored solutions to support every stage of life.

What We Cover

🏥 Private Health Insurance

Avoid long public system wait times by accessing private hospitals, specialists, and advanced treatment options.

• Covers surgery, cancer treatment, and day-patient procedures

• Optional extras: GP, dental, optical

• Family plans and couple coverage available

❤️ Life Insurance

Provides a lump sum payment to your loved ones in the event of death, helping them manage ongoing living expenses, mortgage repayments, and future financial needs.

• Term Life Cover

• Optional Add-ons: Trauma, TPD, or Income Protection
  
  

💪 Critical Illness / Trauma Cover

Pays a lump sum if you're diagnosed with a serious illness such as cancer, heart attack, or stroke. Use the funds for treatment, recovery, or living costs.

• Covers 50+ major conditions

• Standalone or bundled with life insurance

• Quick access to funds during critical times
  
  

💼 Income Protection Insurance

Replaces a portion of your income if illness or injury prevents you from working, helping you maintain financial stability.

• Monthly payments up to 75% of pre-tax income

• Suitable for self-employed, professionals, and homeowners

• Choose benefit period and wait times to suit your needs
  
  

🧠 Total & Permanent Disability (TPD) Insurance

Provides a lump sum payment if you're permanently unable to work due to physical or mental disability.

• Can be bundled with life or trauma cover

• Supports long-term care and lifestyle adjustments

✅ Why Choose Us

• Access to multiple leading New Zealand insurers with flexible product options

• Independent and client-first advice – we work for you, not for insurers

• Expert guidance on policy setup, claims process, and benefit optimization

• Transparent, obligation-free consultations

• Bilingual support: English & Mandarin – trusted by the NZ Chinese community

• Assistance with balancing ACC, public support, and private coverage

🤝 Let’s Talk – Build Your Safety Net with Confidence

Life is unpredictable — but your financial protection shouldn’t be.
At InsightFinance, we take the time to understand your risks, explain your options, and support you at every stage — from application to claim.

📞 Book a no-obligation consultation today. Let’s build the right cover for your needs, so you can move forward with confidence, security, and peace of mind.

人寿与健康保险 | Life & Health Insurance

守护健康，保障未来 — 为家庭与人生规划提供有力后盾

在 InsightFinance 睿金融，我们深知健康与生命的价值。我们的使命是通过专业的人寿与健康保险服务，为您和家人打造稳定、安心的风险保障体系，帮助您从容应对人生中的意外、疾病和重大转变。

我们的服务范围 | What We Cover

🏥 健康保险（Private Health Insurance）

优先进入私立医院及专科治疗，跳过公立系统等待期，享受高质量医疗服务。

• 外科手术、癌症治疗、日间住院

• 可选附加：门诊、牙科、眼科

• 家庭保单更具性价比

❤️ 人寿保险（Life Insurance）

当不幸发生时，为家人提供一次性赔付资金，用于偿还贷款、家庭支出或子女教育费用。

• 定期人寿保险（Term Life Cover）

• 可选附加：重疾、伤残、收入保障等
  
  

💪 重大疾病保险（Critical Illness / Trauma Cover）

一经确诊即赔付一次性金额（如癌症、中风、心脏病），用于治疗费用、康复开销或生活支撑。

• 保障50+种严重疾病

• 灵活额度配置

• 不影响ACC或其他福利申请
  
  

💼 收入保障保险（Income Protection Insurance）

若因伤病无法工作，提供持续收入替代，确保生活稳定，房贷正常支付。

• 最长可持续赔付至65岁

• 常见适用人群：自雇人士、专业人士
  
  

🧠 完全与永久残疾保险（TPD Insurance）

若遭遇永久性身体或精神残疾，无法继续工作，赔付一次性资金。

• 可与人寿或创伤保险组合配置

• 为严重长期意外留足财务缓冲

常见问题 FAQ

Q: 我已经有 ACC，还需要买健康或收入保险吗？
A: ACC只保障意外伤害，且覆盖有限。重大疾病、非意外医疗或长期失去收入的情况，仍需私人保险弥补空白。

Q: 家庭成员可以合并成一张保单吗？
A: 是的，许多健康保险公司提供家庭组合方案，性价比更高，也便于统一管理和续保。

Q: 年轻人是否也需要人寿或收入保险？
A: 越年轻投保，保费越低。尤其是有房贷、自雇或赡养责任的人群，提前规划保障非常必要。

Q: 是否可以先买基本的，以后再升级？
A: 可以。我们支持“先保基本、后续调整”的渐进式配置策略，帮助客户在预算内逐步完善保障。

为什么选择我们 ？

• ✅ 拥有多家优质保险公司产品组合，选择空间更广

• ✅ 客户为本，配置方案不为销售指标，只为保障适配

• ✅ 专业顾问，解释条款、理赔流程全程协助

• ✅ 中英文双语服务，特别关怀华人客户

• ✅ 协助评估 ACC、福利与私人保险的最佳搭配

🤝 与我们对话，让保障更清晰安心

人生无常，但您的保障应该有“计划”。
InsightFinance 睿金融 不只是帮您买保险，更帮您建立清晰可理解、结构合理、长期有效的保障体系。

📞 欢迎预约免费咨询，从方案讲解到投保协助、理赔支持，我们始终在您身边，守护每一个重要时刻。