“Life has convinced me of the need for insurance. I know how much better it is if you get the right cover before anything happens to your health.”

Ken Holmes advises on three main types of health insurance policies:

• Basic hospital only and related specialist care
• Hospital only and related/unrelated specialist care
• All hospital, GP and specialist care

ACC works, but private clinics will be much faster and efficient in handling your injuries. This is good protection against severe illnesses, and ensures that you have the best possible care during a very difficult time.

Ken can tell you if this is right for you, and to what extent it’s right.