我们保持简单！我们的保单用通俗易懂的语言编写，专为新西兰人设计。获得所需的保护，无需困惑。
不用排队公立医院，及时得到专科咨询以及各项检查，住院治疗或者手术治疗，还可以选择适合自己的医生和医院。
Avoid long waiting times in the public health system and receive timely specialist consultations, various medical tests, hospital treatments, or surgeries. You can also choose the doctor and hospital that best suit your needs.
未来如果不幸遭遇疾病或者意外受伤，获得过去足额补助，以保证康复期间生活品质。
If you are unable to work due to illness or accidental injury, this insurance provides continuous income support to help you maintain your standard of living during recovery.
从容应对未来不确定风险，保护家人的生活不被改变。寿险一般需要覆盖房贷、子女大学教育金、家人未来五年生活费，保障金额从10万到250万不等。
Prepare for future uncertainties and protect your family's lifestyle from being disrupted. Life insurance typically covers your mortgage, children's university education, and your family's living expenses for the next five years. Coverage usually ranges from NZD 100,000 to 2,500,000.
家庭顶梁柱未来发生意外，房子不会被收走，保险公司帮助您还房贷。
If the main income earner suffers an accident or passes away, the mortgage will not become a burden. The insurance company will help pay off the home loan, ensuring your family keeps their home.
弥补收入损失，未来一旦确诊重大疾病，一次性获得几年生活费用，不用在遭受挫折时，担心财务问题。保额一般用来支付生病期间的水电费、生活费、康复费、以及因为生活方式发生改变而产生的费用。保障金额一般是3到5年的收入。
Provides financial support when income is affected due to a serious illness. Once diagnosed with a major illness, you receive a lump sum payment covering several years of living expenses, so you won't need to worry about finances during difficult times. The payout usually covers expenses such as utilities, daily living costs, recovery expenses, and lifestyle adjustments. The recommended coverage is typically 3-5 years of income.
如果未来永久失去劳动能力，一次性获得巨额理赔，保障家庭生活质量。
If you permanently lose the ability to work, this insurance provides a large lump-sum payout to maintain your family's quality of life.
| 保险类型 | 主要用途 | 赔付方式 | 适合人群 |
|---|---|---|---|
| 医疗保险 | 专科医生和医院选择 | 报销医疗费用 | 所有年龄段 |
| 人寿保险 | 保障家庭财务安全 | 身故时一次性赔付 | 有家庭责任者 |
| 重疾疾病保险 | 重大疾病财务支持 | 一次性获得多年生活费用 | 30岁以上成年人 |
| 收入保护险 | 无法工作时的收入替代 | 获得过去足额补偿 | 有固定收入者 |
| 房贷保护险 | 保护家庭住房 | 保险公司帮您还房贷 | 有家庭住房者 |
| 终身失能保险 | 永久伤残保障 | 一次性巨额赔付 | 从事高危职业工作者 |
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