Crafford Risk Advisory

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Crafford Risk Advisory

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FSP - 1011612

Juan Crafford - Independent Insurance Advisor

Life Insurance, Private Health Insurance, Mortgage Protection, Income Protection, Trauma Cover, Total & Permanent Disability, Business Insurance and Travel Insurance specialist.

04/11/2026

Here's something many people don't realise...

Having health insurance doesn't automatically mean you're covered for every mental health condition or treatment.

Some policies offer benefits towards counselling or psychology, while others have exclusions or limits on what they cover.

And did you know that your medical history can also affect the cover an insurer is willing to offer?

That's why it's important to understand your policy and have the right conversations before you need to make a claim.

Mental health deserves just as much attention as physical health.

People first. Always.

If you're unsure what your current insurance actually covers, I am happy to help you understand your options.

02/11/2026

✅Mental health is just as real and important as physical health.

Depression, anxiety and other mental health conditions can affect anyone. Yet many men struggle silently, feeling they need to stay strong and keep everything together.

This Movember, let's change that conversation. Asking for help is not weakness.

But where does health insurance come in?

Not all private health insurance policies in New Zealand cover mental health treatment. Some have specific exclusions or limited benefits.

Having health insurance in place before symptoms or conditions develop may give you more options, as insurers can consider previous symptoms, consultations and diagnoses when assessing applications.

It's important to understand what your policy covers before you need it.

And remember, your health comes first. Never delay seeking help because of insurance.

Let's look after the men in our lives. 💙

People first. Always.

30/10/2026

Happy Friday🍃

As October comes to an end, so does our Breast Cancer Awareness campaign. But the stories, the lessons and the importance of looking after ourselves stay with us long after this month.

Behind every diagnosis is a person. A mum, a daughter, a wife, a sister or a friend. Someone deeply loved, with people counting on them and so many memories still to make.

This month has been a reminder not to take our health, our time or our loved ones for granted.

Know your body. Make time for those check-ups. Have the conversations. And remember that protecting your future is also a way of caring for the people you love.

Because at the heart of everything, people come first. Always. 💗

28/10/2026

Did you know that not every breast cancer medicine available in New Zealand is publicly funded?

When someone receives a breast cancer diagnosis, treatment may involve surgery, radiotherapy, chemotherapy, hormone therapy or targeted medicines. But access to some medicines can depend on whether Pharmac funds them for that particular cancer type and stage.

💡 So, what is Pharmac?

Pharmac is the government agency responsible for deciding which medicines are publicly funded in New Zealand. A medicine can be approved for use here but still not be funded by Pharmac.

And what happens if a medicine isn't funded? Patients may need to pay for it themselves, although some medicines have assistance programmes available.

🎗️ Where does health insurance come in?

Depending on the policy, private health insurance may help cover eligible cancer treatments and some medicines that aren't publicly funded. But cover varies, and exclusions, limits and policy conditions matter.

This is why understanding your insurance before you need it can be so important.

Because when you're facing a cancer diagnosis, the last thing you want is uncertainty about your financial options.

💗 Knowledge is power. Understand your cover. Protect your future.

People first. Always.

23/10/2026

Well, that's one way to get your attention! 👀😂

With Labour Weekend here, it's time to slow down, relax, spend time with family and hopefully enjoy a little sunshine.

But here's a little reminder to take into the long weekend…

🌸 Take a break.
🌸 Make time for yourself.
🌸 And take a moment to check in with your health.

Ladies, between work, the kids and looking after everyone else, it's easy to put yourselves last. Let this be your reminder to know your normal, be aware of changes in your breasts and get anything unusual checked.

This long weekend, make time for yourself, too.

From our family to yours, have a safe and relaxing Labour Weekend!

People first. Always.

20/10/2026

Behind every statistic is a person.

Today, around 10 women in New Zealand will hear the words, “You have breast cancer.”

According to Breast Cancer Foundation NZ, approximately 3,700 women are diagnosed each year, and around 650 women will lose their lives to the disease.

Behind every number is a mother, a daughter, a wife, a sister or a friend. Someone with people who love them, plans they are making, and moments they still want to experience.

That is why breast cancer awareness matters. 💗

✨ Know your normal.
✨ Pay attention to changes in your breasts.
✨ Get checked if something doesn't feel right.
✨ Don't put off seeking medical advice.

And while we cannot control every diagnosis, we can take steps to be informed and prepared, including understanding what support and protection we have in place if life takes an unexpected turn.

This October, let’s turn awareness into action. For ourselves, for our families, and for the people we love.

Because behind every policy is a person, a family, and a future worth protecting.

🎗️ Share this post to help spread awareness.

18/10/2026

The reality is more complicated.

New Zealand offers a range of breast cancer treatments, but not every medicine available overseas is publicly funded here.

For some patients, access to a particular treatment may mean facing high out-of-pocket costs.

So, where can health insurance make a difference?

Depending on the policy, private health insurance may help cover eligible cancer treatments, certain non-funded medicines or approved treatment overseas.

But not every policy covers everything. Benefit limits, exclusions, pre-existing conditions and pre-approval requirements matter.

This is why understanding your cover before you need it is so important.

At Crafford Risk Advisory, we believe insurance is about more than a premium. It’s about understanding your options and protecting what matters most.

Knowledge is power. Know your options. Protect your future.

🎀 Learn more about breast cancer treatment and medicine funding through Breast Cancer Foundation NZ: https://www.breastcancerfoundation.org.nz/

16/10/2026

Happy Friday🩰

Ballet might not be my usual territory, but for my little girl, I'm happy to give it a go.

And honestly, these are the moments that matter most. The little dances, the giggles, the cuddles and the memories we hope to make for years to come.

This Breast Cancer Awareness Month, we're reminded that looking after ourselves isn't selfish. It's important.

Because behind every health check is a person, a family, and a future full of moments still waiting to happen.

So, to all the mums, dads, daughters, sisters and friends: please make time for your health, encourage the people you love to do the same, and don't put off getting a change checked.

Know your normal. Get checked. Make time for you. 💗

Because there's still so much life to dance through.

13/10/2026

Did you know?

According to Breast Cancer Foundation NZ, the reported 10-year survival rate was:

🎀 95% when breast cancer was detected by mammogram.

🎀 85% when a symptom was the first sign.

These statistics are a powerful reminder of why early detection matters.

A mammogram can help detect breast cancer before you notice any symptoms.

If you're eligible for breast screening, don't put it off. And remember, any unusual changes should be checked by your GP, even if you've recently had a mammogram.

Your health matters. Your family needs you. Make time for your check-up. 💗

Find out more at Breast Cancer Foundation NZ.

Address

34 Harvest Avenue
Orewa
0931

Telephone

+64273436964

Website

https://crad.co.nz/

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