Flexible Payment Options at 1 Health: Making Healthcare More Accessible
How to Pay for Your Visit: Flexible Choices at 1 Health
At 1 Health, we believe that access to quality healthcare should never be hindered by payment concerns. That's why we offer a comprehensive range of payment options designed to suit every patient's needs and preferences. Whether you prefer traditional cash payments or modern digital solutions like Afterpay and Zip, we've got you covered.
Your Convenience Is Our Priority
We understand that everyone has different financial circumstances and payment preferences. Payment is required on the day of your appointment, but we've made this as straightforward and flexible as possible by accepting multiple payment methods. Our goal is to remove financial barriers to healthcare and ensure you can access the medical services you need when you need them.
Afterpay
Afterpay has become increasingly popular in New Zealand, offering patients the ability to spread the cost of their healthcare over four equal, interest-free instalments paid fortnightly over six weeks. This payment option is particularly helpful for consultations or treatments that may stretch your immediate budget.[1][2][3]
When using Afterpay at 1 Health, you'll pay 25% of the consultation or treatment cost upfront, with the remaining balance automatically deducted from your linked Mastercard or Visa debit or credit card over the following six weeks. There are no interest charges when you pay on time, making it a cost-effective way to manage healthcare expenses.[3]
Afterpay is available for patients who are at least 18 years old, have a valid email address and mobile number, and use an Australian or New Zealand credit or debit card. The service provides payment reminders before each instalment is due, helping you stay on top of your payments. If a payment is missed, a late fee may apply, so it's important to ensure sufficient funds are available on your scheduled payment dates.[2][3]
Zip Pay
Zip is another flexible payment solution we offer at 1 Health. This buy now, pay later service allows you to split your healthcare costs into four interest-free instalments over six weeks. Zip can be used for purchases up to $2,000, making it suitable for both routine consultations and more extensive treatments.[4]
Like Afterpay, Zip requires no interest payments when you repay on time. The service is user-friendly, with a mobile app that helps you track your payments and spending. Zip also has no fees when you meet your payment schedule, though late fees may apply if payments are missed.[4]
Zip is accepted at over 3,000 stores throughout New Zealand, and we're proud to be among the healthcare providers offering this convenient option to our patients.[4]
EFTPOS and Paywave
For those who prefer direct bank payments, we accept all EFTPOS transactions. Our modern payment terminals support contactless Paywave technology, allowing you to simply tap your card for quick, secure payments. This contactless option has become increasingly popular, offering convenience and reducing physical contact during transactions.[5][6]
EFTPOS payments are processed instantly, and you'll receive a receipt immediately after your appointment. This method is ideal for patients who prefer to keep their healthcare payments separate from credit cards or who want to pay directly from their transaction account.[5][7]
Credit and Debit Cards
We accept all major credit cards including Visa, Mastercard, and other international card providers. Whether you're paying with a New Zealand-issued card or an international one, our secure payment system ensures your transaction is processed safely and efficiently.[6][7][5]
Using a credit card for healthcare payments can offer additional benefits such as reward points or interest-free periods if you pay off your balance within your card's terms. Some patients prefer this method as it provides purchase protection and detailed transaction records for insurance or tax purposes.
Internet Banking
For patients who prefer to make payments via online banking, we accept direct bank transfers. You can arrange payment through your internet banking portal before or after your appointment. This option is particularly convenient for scheduled appointments where you know the cost in advance, or when settling accounts for additional services received during your consultation.[8]
When making an internet banking payment, please ensure you include your name and date of birth in the reference fields so we can accurately match your payment to your account. Our reception team can provide you with our bank account details and guide you through the process.[8]
Cash Payments
While digital payments have become increasingly common, we recognise that some patients still prefer the simplicity and immediacy of cash. We accept cash payments at our reception desk, and you'll receive a receipt for your records immediately after payment.[7][9][5]
Why We Require Payment on the Day
Healthcare practices operate on a delicate financial balance. Government funding through the New Zealand health system provides only a contribution towards the cost of primary care services, not the full amount. The remainder must be covered by patient co-payments to ensure we can continue providing high-quality care, maintaining our facilities, and employing skilled healthcare professionals.[10][8]
Requiring payment on the day of service helps us manage our costs effectively, reduces administrative burden associated with billing and debt collection, and allows our team to focus on what matters most: your health and wellbeing. This policy is standard across medical practices throughout New Zealand and ensures we can keep our doors open and our services accessible.[8][11]
Making Healthcare More Affordable
The introduction of flexible payment options like Afterpay and Zip has been a game-changer for healthcare accessibility in New Zealand. These services recognise that medical expenses can sometimes arrive unexpectedly or at inconvenient times financially. By breaking down costs into manageable instalments, these payment options ensure that patients don't delay necessary care due to immediate financial constraints.[12][13][14]
Research has shown that when patients have access to flexible payment options, they're less likely to postpone or avoid healthcare appointments. This is crucial for preventive care, early intervention, and managing chronic conditions effectively. Addressing health concerns promptly often results in better outcomes and can actually reduce overall healthcare costs in the long term.[14][15]
The Digital Payment Revolution in Healthcare
Healthcare in New Zealand is evolving to meet changing patient expectations. Just as retail and other service industries have embraced diverse payment methods, medical practices are adapting to offer the convenience and flexibility that modern patients expect.[12][15]
Smartphone screen showing multiple digital payment methods including Apple Pay, Google Pay, PayPal, Maestro, Mastercard, Amex, and Visa.
Digital payment options provide several advantages:
· Speed and efficiency: Contactless payments and digital wallets process transactions in seconds
· Security: Modern payment systems use encryption and tokenisation to protect your financial information
· Convenience: Mobile payments mean you don't need to carry cash or multiple cards
· Record keeping: Digital transactions automatically create records useful for insurance claims or tax purposes
· Flexibility: Buy now, pay later options help you manage cash flow without incurring credit card interest[15]
At 1 Health, we've invested in secure, modern payment technology to ensure your transactions are safe and your payment experience is smooth and stress-free.
Financial Responsibility and Healthcare Access
While we offer flexible payment options, it's important to use these services responsibly. Buy now, pay later services are designed to help you spread costs over a short period, not to encourage spending beyond your means. Before using Afterpay or Zip, consider whether you'll be able to meet the payment schedule comfortably within your budget.
Both Afterpay and Zip are regulated under New Zealand's Credit Contracts and Consumer Finance Act, which provides protections for consumers. Since September 2024, buy now, pay later providers must conduct appropriate affordability and suitability assessments, provide clear disclosure of terms, and handle complaints fairly. These regulations ensure that these services are used responsibly and don't lead to financial hardship.[16][17]
If you're experiencing financial difficulties, please speak with our reception team before your appointment. We may be able to discuss alternative arrangements or provide information about other support services available in the community.[8]
What to Expect at Your Appointment
When you visit 1 Health, you'll find our reception team ready to assist with any payment queries. We can explain the different payment options available and help you choose the method that best suits your circumstances. If you plan to use Afterpay or Zip, you can set up your account in advance through their mobile apps, or our team can assist you through the process at the clinic.[2][4]
For your convenience, payment is processed at the conclusion of your appointment, allowing you to focus fully on your consultation with your healthcare provider without financial concerns interrupting your care.
Supporting Your Healthcare Journey
At 1 Health, we're committed to providing accessible, high-quality healthcare to our community. Our flexible payment options are just one way we're working to remove barriers to medical care and ensure that everyone can access the services they need to maintain their health and wellbeing.
Whether you're visiting us for a routine check-up, managing a chronic condition, receiving travel vaccinations, or accessing our cosmetic medical services, you can be confident that we offer payment solutions that work for you. Our team is always available to answer questions about payment options and help you find the approach that best fits your financial situation.
Planning Ahead for Healthcare Costs
If you know you'll need ongoing or more extensive treatments, consider which payment method will work best for your situation:
· Regular appointments: Setting up internet banking payments can streamline your routine visits
· Larger one-off expenses: Afterpay or Zip can help spread the cost over several weeks
· Multiple family members: Having a credit card dedicated to healthcare expenses can help with tracking and budgeting
· Immediate needs: Paywave and EFTPOS offer quick, direct payment from your accou
Healthcare is personal, and so are your financial circumstances. At 1 Health, we respect that everyone's situation is different. By offering comprehensive payment options—from traditional cash to innovative digital solutions—we ensure that payment method is never a barrier to accessing the care you need.
We invite you to visit our clinic and experience the 1 Health difference. Our friendly team is ready to welcome you, answer your questions, and help you navigate all aspects of your healthcare journey, including making payment as easy and convenient as possible.
Remember, investing in your health is one of the most important things you can do. With our flexible payment options, quality healthcare is more accessible than ever.
Disclaimer: This information is for general guidance only. Payment terms and conditions for services such as Afterpay and Zip are subject to their respective terms and conditions, eligibility criteria, and lending standards. All patients should assess their own financial circumstances before committing to any payment arrangement. Late fees and charges may apply for missed payments with buy now, pay later services. Please speak with our reception team if you have specific questions about payment options or require information about financial assistance programs. All medical advice and treatment decisions should be made in consultation with qualified healthcare professionals at 1 Health.
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