All New Zealanders want their families and financial health to be protected when their physical health lets them down.
New Zealand enjoys an outstanding public health system, supported by ACC, but these schemes do have limitations.
As the public system tries to cope with population pressures it has to ration access to services.
By contrast health insurance pays for quicker access, choice of provider and additional services offered by the private health sector.
More than two thirds of us rely on the free public health system and do not feel the need for health insurance, which has a significantly lower uptake than other developed countries.