At just 20 years old, Ryan started noticing an ache in his hip during gym sessions. At first, he brushed it off. He was fit, active, and studying physiotherapy. But the pain got worse. “I thought, I’m young, I’m fit. Surely it’ll go away ... but it just didn’t get better.”
Eventually, even everyday movements became painful. His hip would lock, squats got harder, and walking turned into a chore. “That’s when I realised it wasn’t just in my head. Something really wasn’t right.”
Through his Southern Cross Health Insurance policy, Ryan was able to get scans, see a specialist, and have surgery to repair and reshape his hip. “Surgeries aren’t cheap. So knowing that Southern Cross were covering it … that just took so much stress away.”
Without cover, he says the wait might have been much longer, and he likely would have missed his final placement – a major setback in his physio career. “I definitely would’ve missed this year.”
Now, he’s back doing the things he loves, from hiking with friends to planning his first half-marathon. “I’m going to make the best of my movement and the blessings I’ve got with my body.”
Get an online quote now.
Note: The podcast features participants' own individual experiences with health insurance. These are their own views and experiences, and not the views of Southern Cross Health Insurance. This is not intended to be a recommendation or financial advice. If you are interested in obtaining health insurance, please seek professional advice.
*Not all benefits are available on all Southern Cross Health Insurance plans. You can check our policy documents to see what each plan covers. Ryan has the Wellbeing One plan.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) is a licensed insurer and a licensed financial advice provider. For more information about the financial advice service we provide and a copy of our public disclosure statement please visit southerncross.co.nz/disclosure-statement.
Southern Cross Medical Care Society (trading as Southern Cross Health Society) has an A+ (Strong) financial strength rating given by Standard & Poor’s (Australia) Pty Limited. The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at www.spglobal.com/ratings/en/about/intro-to-credit-ratings. Standard & Poor’s is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.
