With the New Zealand taxpayer’s limited budget, unfortunately, our funding body Pharmac cannot cover all the life-saving medicines...

Medical professionals understand first-hand how an unexpected illness or disability can disrupt a person’s life and income earning ability. You will have invested years of hard work, time, and money to get to where you are, so protecting your future earning potential is an important discussion to be had. We also don’t need to explain to you that New Zealand ranks last in the OECD for medicine access, so ensuring you have provisions for non-Pharmac drugs is another reason why