When traveling to New York from New Zealand, is it better to go via Hong-kong or San Francisco.?

Gerd P has it pretty much correct. You get the treatment you need for conditions which occur in New Zealand or pre-existing conditions which are controlled on arrival but ''flare up'' while you are here. Basically we will treat you to relieve symptoms, but not to effect a cure.

Usually Hospital treatment is not covered for illness, but is for accidents You are, as a tourist, covered by New Zealand's Accident Compensation Scheme, which covers everybody, regardless of where they are from, for accidents in the country. It will cover your costs to a limited degree. If your friend had an accident in NZ she would not have been charged for hospital treatment.

If she became ill, she probably would and should have been, but they don't always pursue it for short stays. The cost of chasing it can be greater than the sum involved. However, many things are not covered, so you do need medical insurance.

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