However, increasingly we are seeing Oncologists and other medical professionals pleading with Pharmac, New Zealand’s drug buying agency, to increase funding for life saving treatment.
Medicines are a core part of healthcare, however New Zealand is ranked last of 32 OECD countries for publicly funded medication. New Zealanders don’t have access to many medicines that are already part of the standard international treatment regime, meaning the country is barely keeping pace with the World Health Organisation essential medicine list.
In an open letter by the Gut Cancer Foundation an urgent call was made in relation to the widening medicine gap in New Zealand. The Gut Cancer Foundation represents the over 6,000 New Zealanders diagnosed with cancer of the digestive system every year. And, with one of the lowest survival rates of any cancer they are urging Pharmac for newer and better-funded medication.
Their heartfelt plea addresses the pressing need for broader availability of critical treatments and sheds light on the fact New Zealand’s public health system will not provide the level of care that is expected or needed. “Knowing that patients are no longer receiving cancer care as per international guidelines and being powerless to effect change is increasingly common,” Oncologist Dr Kate Clarke told Radio New Zealand.
In their article Radio New Zealand spoke with a Kiwi who was diagnosed in January 2022 with stage four esophageal cancer. After 3 months of chemotherapy the next recommended treatment that was approved by Medsafe was not funded for oesophageal cancer. The treatment cost nearly $10,000 every 3 weeks. The reality was a tough decision between hard earned savings and health.
Too often New Zealanders do not understand what is and isn’t funded until they find themselves or someone close to them is sick. This lack of awareness can cause New Zealanders to overlook insurance such as medical and health cover, when these covers can provide essential access to unfunded medications and private medical care when you need it. Allowing you to focus on getting better rather than on how you will afford the treatment.
Working with a Haven Financial Adviser can help you understand what you are and aren’t currently covered for. By understanding your situation an adviser can make sure you’ve got the right cover in place for when you need it.
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Peter Franklin, one of our Haven advisers, worked with many Kiwi families last year.
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1.1 In this Privacy Policy, Haven, we, us and our means:
1.2 Haven is committed to protecting the personal information of all its website users, clients and customers (Users, you, and your) in accordance with the Privacy Act 2020 (Privacy Act) and the Information Privacy Principles as set out in the Privacy Act.
1.3 Haven operates the website at haven.co.nz (the Website), which provides information regarding our services (Services).
1.4 This privacy policy (Privacy Policy) operates to inform Users of our policies for the collection, use and disclosure of personal information (which includes, but is not limited to, your name, phone number and postal address) (Personal Information) if anyone accesses our Website and/or decides to use our Services.
1.5 If you access our Website and/or decide to use our Services, then you agree to the collection, use, disclosure, storage and processing of your Personal Information in accordance with this Privacy Policy.
1.6 The Personal Information that we collect is primarily used to identify you and to provide and improve our Services.
1.7 We will not use or share your information with anyone except in accordance with this Privacy Policy.
1.8 This Privacy Policy does not limit or exclude any rights that a User has or may have under the Privacy Act and (where applicable) the General Data Protection Regulation 2016/679 (GDPR).
1.9 For further information, please see www.privacy.org.nz.
2.1 We may collect and use your Personal Information to:
2.2 In addition, we may use your Personal Information for any purpose authorised by you, the Privacy Act, GDPR and/or any other applicable law.
2.3 We may also supplement any information provided to us with information we receive from third parties.
2.4 In addition to other information, we collect the following Personal Information about a User:
2.5 Users may request us to stop sending marketing messages at any time, by emailing contact.us@haven.co.nz.
2.6 The provision of certain personal information is necessary to provide our Services. While providing your information is voluntary, if you choose not to provide it, we may be unable to process your request/provide services.
3.1 We want to inform you that, whenever you visit our Website, we may collect information that your browser sends to us that is called Log Data.
3.2 This Log Data may include information such as your computer’s Internet Protocol (IP) address, browser version, pages of our Website that you visit, the time and date of your visit, the time spent on those pages, and other statistics.
4.1 Cookies are an alphanumeric identifier stored by your browser in order to monitor your use of the Website.
4.2 Our Website uses these “cookies” to collect information and to improve our Services.
4.3 You have the option to either accept or refuse these cookies, and know when a cookie is being sent to your computer. If you choose to refuse our cookies, you may not be able to use some of our Services.
5.1 Your Personal Information may be disclosed to, and held and used by, the following persons:
5.2 Your Personal Information may also be used by, and you consent to the use of your Personal Information by, Haven (including any third party that provides services to Haven) to keep you informed about other financial opportunities, products and services, including by phone call, email, text message, Haven’s online portal or any other electronic means. Any electronic marketing communication offering other financial opportunities, products or services will include an unsubscribe facility.
6.1 We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. However, no method of transmission over the internet, or method of electronic storage, is 100% secure and reliable, and we cannot guarantee its absolute security.
6.2 We will take reasonable steps to ensure the Personal Information collected, used or disclosed in accordance with this Privacy Policy is stored in a secure environment protected from unauthorised access, modification or disclosure.
6.3 We will hold Personal Information collected in accordance with this Privacy Policy before and after the provision of the Services in order to fulfil the purposes for which it was collected, but only for so long as we are legally entitled to do so.
6.4 We will advise any User as soon as practicable after becoming aware that a notifiable privacy breach (as that term is defined under the Privacy Act) has occurred in respect of that User, and take all steps necessary to comply with the Privacy Act requirements.
7.1 Our Website may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the privacy policy of these websites. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
8.1 Our Website and Services do not address anyone under the age of 13.
8.2 We do not knowingly collect Personal Information from children under the age of 13.
8.3 In the case we discover that a child aged under 13 has provided us with Personal Information, we immediately delete this from our servers.
8.4 If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us so that we will be able to undertake the necessary actions.
9.1 We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes.
9.2 We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.
10.1 Subject to certain grounds for refusal set out in the Privacy Act, Users have the following rights in relation to their Personal Information:
10.2 If a User wishes to exercise any of the above rights, please contact Haven at contact.us@haven.co.nz. Please note that we may need evidence to confirm that you are the individual to whom the Personal Information relates. Your email should provide evidence of who you are and set out the details of your request. Haven will process this request as soon as reasonably practicable, provided that we are not otherwise prevented from doing so for legal or other reasons such as, but not limited to:
11.1 Haven at all times has a person appointed as its privacy officer (the Privacy Officer).
11.2 The Privacy Officer will be familiar with the provisions of this Privacy Policy and be available to assist on privacy matters for Haven.
11.3 The Privacy Officer may be contacted at contact.us@haven.co.nz.
12.1 If any part of this Privacy Policy is found by a court to be invalid, void or unenforceable, whether under the Privacy Act, GDPR or any other applicable law, such provision will be deemed to be deleted from this Privacy Policy and the remaining provisions will continue in full force and effect.
13.1 If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.
The Haven Travel Promotion is only open to legal residents of New Zealand who are eighteen (18) years of age or older. The following are not eligible to participate (Disqualified Participants):
The Promotion begins on Monday 1st April 2025 and will continue until further notice. We reserve the right to amend, suspend, or terminate the promotion at any time without prior notice, at our sole discretion.
There are two ways to earn an entry into the Promotion during the Promotion Period:
Adviser meeting: Complete a financial review meeting with a Haven Adviser for any service (Referee); or
Referral: Complete the referral form on the Haven website haven.co.nz/travel-promotion/ (Referrer) and refer someone who subsequently completes a financial review meeting with a Haven Adviser. Each eligible activity earns one (1) entry into the Promotion. Only the Referee and Referrer can be awarded the prize.
A winner will be drawn every three months via random selection by Haven Financial Advisers. The draw will take place each January, April, July and October. The winner will be determined by Haven Financial Advisers and the decision will be final. No correspondence will be entered into. The winner will be notified by email, phone (voice or text), mail, or in person. Where attempts to contact the winner fail (e.g. where the winner cannot be contacted by phone after three attempts, or mail is returned), Haven Financial Advisers will select another winner. If, after successful notification, the prize is not collected within two months of being announced, it will be regarded as forfeited. Note: Three attempts to contact the winner will include individual calls to any numbers provided at the time of entry. Where the winner is required to claim the prize in person, they must provide proper identification (e.g. driver’s licence, passport, or birth certificate).
The Prize is a travel voucher valued at $5,000 NZD. The Prize is not redeemable for cash and is not transferable. In the event that the Prize becomes unavailable for any reason, Haven Financial Advisers may substitute a prize of like or equal value. The Winner takes the Prize entirely at his/her own risk and indemnifies Haven Financial Advisers in respect of any claim for any accident, injury, property damage or loss of life that may occur in connection with the prize. The Winner is responsible for all insurance, tax or other costs that may be associated with the Prize. Where the Prize has associated terms and conditions the Winner accepts the Prize subject to those terms and conditions and restrictions. The Prize must be taken as stated and no compensation will be payable if the Winner is unable to use the Prize as stated. The Promoter (Haven Financial Advisers Limited) will not be liable for any Prize that does not reach the Winner for reasons beyond its reasonable control. Where a Prize is being supplied by a third party, Haven Financial Advisers accepts no responsibility in connection with the provision of the Prize, including without limitation, the failure of the Winner to receive ownership of, or use of, the Prize, or any performance issues associated with the Prize. Haven Financial Advisers will not be liable for failure to provide (or delay in providing) the Prize resulting from any events, circumstances, or causes beyond its reasonable control, including but not limited to acts of God (natural disasters), acts of war or terrorism, national emergencies, issues of public health and safety, pandemic, mechanical breakdown, industry disputes, riots, or failure of communication or power supply or voluntary or involuntary compliance with any regulation, law or order of any government.
The following additional terms apply to the travel voucher Prize:
7. Social Media & Marketing
Where the Promotion is conducted across social media:
By entering this Promotion, entrants agree to the use of their names, photographs, and likeness for promotional and advertising purposes, and agree to make themselves reasonably available for this purpose. Any copyright associated with an entry will be owned by the Promoter.
The Promoter collects and holds personal information provided by entrants for the purposes of administering this Promotion and for future Promoter promotional purposes. All personal information provided by entrants will be held by the Promoter and will not be provided to third parties unless otherwise specifically set out. Under the Privacy Act 2020, entrants have the right to access and correct their personal information.
Where the winner is required to claim the prize in person, they must provide proper identification (e.g. driver’s licence, passport, or birth certificate).
– All bookings and inclusions must be made through the Promoter’s nominated travel agent and their preferred travel suppliers.
– If the Winner chooses to book directly (outside of the nominated travel agent), a 10% service fee will apply at the Winner’s own cost.
– Prize redemption is subject to accepting the Promoter’s full terms and conditions and standard travel practices.
– All bookings are subject to availability.
– Once confirmed, bookings are non-refundable and non-transferable.
– The Prize cannot be exchanged for cash or cash products (e.g. Travelex, Cash Passport cards).
– The Winner is responsible for any amendment fees charged by airlines or other suppliers once bookings are confirmed.
– The Promotion is in no way sponsored, endorsed, or administered by, or associated with Facebook, Twitter, Instagram, LinkedIn, or Snapchat. These platforms are in no way responsible for any aspect of the Promotion.
By entering this Promotion, entrants agree to the use of their names, photographs, and likeness for promotional and advertising purposes, and agree to make themselves reasonably available for this purpose. Any copyright associated with an entry will be owned by the Promoter.
The Promoter collects and holds personal information provided by entrants for the purposes of administering this Promotion and for future Promoter promotional purposes. All personal information provided by entrants will be held by the Promoter and will not be provided to third parties unless otherwise specifically set out. Under the Privacy Act 2020, entrants have the right to access and correct their personal information.
Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years (c) all people without a qualifying delivery address.
Or,
Refer someone else to complete a financial review with any of Haven’s advisers for any service during the entry period and if they complete the review you will receive one entry each into the Competition.
The Winners will be determined by Haven Financial Advisers and will be final and no correspondence will be entered into.
The Winners will be notified by email, phone (voice or text), mail or in person. Where attempts to contact a Winner fail (e.g. when the Winner cannot be contacted by phone after three attempts or mail sent is returned) Haven Financial Advisers will select another winner. If, after successful notification, the prize is not collected within two months of being announced, it will be regarded as forfeit. (Note: 3 attempts to contact the Winner will include individual calls to any numbers provided at the time of entry.
Where the Winner is required to claim the prize in person, they must provide proper identification (eg driver’s licence, passport, birth certificate).
The Winner takes the Prize entirely at his/her own risk and indemnifies Haven Financial Advisers in respect of any claim for any accident, injury, property damage or loss of life that may occur in connection with the prize. The Winner is responsible for all insurance, tax or other costs that may be associated with the Prize. Where the Prize has associated terms and conditions the Winner accepts the Prize subject to those terms and conditions and restrictions.
The Prize must be taken as stated and no compensation will be payable if the Winner is unable to use the Prize as stated.
The Promoter (Haven Financial Advisers Limited) will not be liable for any prize(s) that do not reach the winners for reasons beyond the Promoter’s reasonable control. Where a prize is being supplied by a third party, the Promoter accepts no responsibility in connection with the provision of the prize, including without limitation, the failure of the winner to receive ownership of, or use of, the prize or any performance issues associated with the prize.
The Promoter will not be liable for failure to provide (or delay in providing) the Prize resulting from any events, circumstances or causes beyond its reasonable control, including but not limited to acts of god (natural disasters), acts of war or terrorism, national emergencies, issues of public health and safety, pandemic, mechanical breakdown, industry disputes, riots or failure of communication or power supply or voluntary or involuntary compliance with any regulation, law or order of any government.
Prizes may be subject to additional terms and conditions imposed by a third party.
The Promoter will not be responsible for any loss or damage suffered by entrants or anyone else as a result of, arising out of, or in any way connected with the Promotion or its prizes.
The Promoter collects and holds personal information provided by entrants for the purposes of administering this Promotion and for future Promoter promotional purposes. All personal information provided by entrants will be held by the Promoter and will not be provided to third parties unless otherwise specifically set out. Under the Privacy Act 2020, entrants have the right to access and correct their personal information.
The Haven Travel Promotion is only open to legal residents of New Zealand who are eighteen (18) years of age or older.
Disqualified Participants’ are: (a) all Haven Financial Advisers employees (b) all people under the age of 18 years.
The Competition begins on Monday 13th March 2023 to Wednesday 31st May 2023.
Complete a financial review with any of Haven’s advisers for any service during the entry period and you will receive one entry into the Competition.
The final winner will be drawn on Monday 5th June via random selection by Haven Financial Advisers.
