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Health Insurance Health Insurance

Health Insurance is a medical insurance plan which covers you for major expenses. It covers the significant costs associated with hospitalisation and surgery, which can affect your financial security.

Benefits of Absolute Health
   • Generous cover for non-urgent medical care – hospitalisation, surgery, overseas medical treatment and home nursing, as defined in the policy.

   • Helps to give you access to the best specialists and private hospitals, to limit stress and speed recovery.

   • May cover for urgent surgery when delays are experienced at a public hospital.

   • 100% reimbursement of covered reasonable charges from medically necessary procedures, up to the limits shown on the policy document.

   • Generous cover limits. For example, general surgery is covered up to $250,000 a year.

   • If you have an accident and ACC doesn’t cover the entire cost of hospital treatment, Absolute Health may pay the difference.

   • You can reduce premium costs by choosing a higher excess.

   • After two years of cover, we’ll pay for sterilisation procedures (such as vasectomy and tubal ligation).

   • Our prior approval service means that claims can be approved before treatment so the bills can be sent directly to us.

   • The option to cover specialist and diagnostic test expenses.

   • Generous cover for death as a result of negligent medical misadventure, as defined in the policy.

See the full schedule of benefits and cover limits. >> more

Some exclusions you should know about
   • Visits to the GP, dentist or optometrist are not covered.
   • You aren’t covered for pre-existing conditions, which are diseases or medical conditions that occurred or existed before you became covered under Absolute Health insurance. See the policy document for other exclusions.

Our track record
Sovereign has an “A+ (Superior)” claims paying rating, assigned by AM Best Company, Inc of New Jersey USA.(28 December 2007)
Each month we pay out an average of $2.7million in health insurance claims.
On average, 95% of claims are approved.
The scale of rating is available for inspection from Sovereign.

Information courtesy of


Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.


Steve has made it possible for our family to growth wealth and safeguard ourselves with the right insurance package...
- Gary & Lois Birkett

Steve spent time with me working through my insurance requirements and making changes and recommendations. His communication with the underwriters and myself was excellent...
- Bryce Frewin

When you need personal insurance advice to protect your loved ones, life, health and mortgage, then the insurance brokers/advisers
at ADVOCO will get you covered...

ADVOCO - Latin for
- "to call an adviser".

So call an Adviser now
on 0800 238 626


>> Make a claim...more

Gregor Mansfield
Insurance Adviser