A cough, a reality check, and a genuinely helpful shift in health cover design. We dig into AIA’s new specialist and testing support add‑on—a smarter way to secure access to private specialists, diagnostics, and imaging without paying for full health insurance. If you’ve felt priced out of comprehensive cover, this conversation lays out a practical middle path that focuses on the high‑impact moments: getting answers fast so you can act with confidence.We talk through exactly what’s included, the annual caps ($10k for specialists, $100k for diagnostics and imaging), and how the optional $0 or $250 excess can trim premiums without gutting value. There’s also clear guidance on how this add‑on works: you attach it to a personal risk product like life, trauma, income or mortgage protection, or TPD. That bundling can be a win for affordability while building a solid safety net across diagnosis and financial protection. We also revisit AIA’s cancer‑only cover and why targeted products can be the difference between waiting months in the public system and moving quickly with private tests—especially when family history, work pressures, or kids’ health make delays costly.Beyond the features, we share how to decide what’s right for you: when full health makes sense, when cancer‑only is the best bet, and when specialist/testing delivers the greatest bang for your buck. We caution against social media hot takes that ignore exclusions and real claim outcomes, and we explain why reviews every one to two years matter as life shifts—new relationships, babies, graduations, or the mortgage finally paid off. If you’ve been asking, “Can I afford not to have cover?” this episode offers a clear way to compare options and design protection that fits your budget and your risk.If you found this helpful, follow the show, share it with someone weighing their insurance choices, and leave a review so others can find it too.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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