TMF Finance

Gay 021 688 282

TMF Insurance & Finance

Paul 021 548 857

11 Rope Street, Christchurch, 8011 New Zealand 

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©2017 by TMF Finance| TMF Insurance | TMF Commercial Finance | TMFNZ Ltd. | Website by Studio Blue Creative

TMF Medical Insurance Products

PREMIUM COVER

Premium Entry Age -16
Maximum Entry Age – 70
Paid in Advance – Yes
Total and Partial Disability Benefit – Full premium for policy waived for both Total and Partial Disability.

 

PRIVATE MEDICAL COVER

To help fund private hospital treatment, and access to specialists, diagnostic tests, and non – PHARMAC medications outside of the public health system.
Minimum Entry Age – None
Maximum Entry Age – 70
Expiry age – Life
Base Excess Options – Nil, $250, $500, $1,000, $2,000, $5,000, $10,000.
Base excess applies – Per Life , Per Annum.
Minimum Risk Premium for Bundled Medical Rates - $7.05 of risk benefits per month
Australasian Cover – Full cover in Australia but reimbursement will be usual , customary and reasonable NZ equivalent costs for same treatment.
GST - Apply to premiums and claims

 

SEVERE TRAUMA COVER

To provide a lump sum when a covered condition is suffered, to help alleviate its financial impact by financing debt repayment , home modifications or specialist equipment. Or creating a investment fund, among other things at your clients discretion.
Minimum Entry Age – 0
Maximum Entry Age – 70
Expiry Age – Life
Minimum Sum Insured - $1,000
Maximum Sum Insured - $3,000,000 on the personal protection plan, $5,000,000 on business protection plan.
Worldwide Cover – Yes
GST – Applies to premiums and claims

SPECIFIC CONDITION COVER

To provide a lump sum benefit when a specified condition is suffered, to help alleviate the financial impact by replacing lost income , or financing home modifications

Minimum Entry Age – 16

Maximum Entry Age – 70

Expiry Age – 70

Minimum Sum Insured - $100Maximum Sum Insured - $30,000Maximum Replacement Ratio – Up to 100% of pre tax monthly income

GST –Apply to premiums and claims.

 

TERMINAL ILLNESS COVER

To provide a lump sum upon diagnosis of a terminal illness or a non survivable accident. Client has to survive for 30 days following the diagnosis or accident.Minimum Entry Age - 0

Maximum Entry Age – 70

Expiry Age – Life

Minimum Sum Insured - $1000

Maximum Sum Insured - $500,000GST- Apply to premiums and claims

Worldwide Cover – yes

TOTAL & PERMANENT DISABILITY COVER

To provide a lump sum upon total and permanent disability to help reduce debt, create an investment fund , or pay for home modifications, among other things.Minimum Entry Age – 16

Maximum Entry Age – 62

Expiry Age – Standalone to age 65, then converts to accelerated if life cover is present on the policy.

Minimum Sum Insured - $1,000

Maximum Sum Insured - $5,000,000

Unemployment and Leave Without Pay – If longer than 12 months reverts to class 5

GST – Apply to premiums and claims

Worldwide Cover – Yes

TRAUMA COVER

To provide a lump sum when a covered condition is suffered to help alleviate its financial impact by financing home modifications or specialist equipment, or creating an investment fund, among other things at your clients discretion.
Minimum Entry Age – 0
Maximum Entry Age – 70
Expiry Age – Life
Minimum Sum Insured - $1000
Maximum Sum Insured - $3,000,000 on Personal Protection Plan, $5,000,000 on Business Protection Plan.
Worldwide Cover – Yes
GST – Applies to premiums and claims

 

 

VARIABLE LOSS OF REVENUE COVER

To provide differing levels of cover each month to suit your needs, when a key employee or sole trader is totally or partially disabled.
Minimum Entry Age – 18
Maximum Entry Age – 60
Expiry Age – 70
Minimum Sum Insured - $2,500 per month
Maximum Sum Insured – 60,000 per month
Payment Term Options – 12 months
Wait Period Options – 4 weeks, 8 weeks, 13 weeks, 26 weeks
GST – Apply to premiums and claims


Important the information offered on all products is minimal, please consult with a TMF Registered Adviser to have the full information on any of the products.