As a resident of New Zealand, you can rely on the public health system for emergency care and treatment for serious conditions. Relying on the public system, though, can have its disadvantages.
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Health insurance
Insurance companies ask a range of questions on policy application forms to obtain all of the information they might need. You must provide all the information you are asked for. But your duty to give information is not limited to the questions on the application form. Legally, you must tell your insurer about anything that could affect its decision to insure you or the terms and conditions you will be offered.