Why UV protection matters in NZ

Sun protection is essential no matter where you are, but here in New Zealand, it’s non-negotiable. That’s because we have very high levels of ultraviolet radiation (source: Stats NZ). 

Even brief exposure can cause damage, and unfortunately, our skin cancer rates reflect that (source: SunSmart.org.nz). The good news? By being “sun smart”, you can reduce your family’s health risks. 

Baby skin needs extra care

For babies, especially under 6 months, sun exposure should be avoided altogether. If you’ve got a little one in tow, here’s what experts like Plunket recommend:

• Keep them in the shade whenever possible, especially between 10 am and 4 pm. 
• Dress them in light, breathable clothing and a wide-brimmed hat.
• Avoid sunscreen unless absolutely necessary, and only on small areas of exposed skin. Look for baby-specific or sensitive-skin formulas. 
• Always do a patch test first, for example on the inner arm, and watch for any reaction over 24-48.
• A zinc stick can be good to use on a child’s nose, lips and cheeks.

Want more sunscreen tips? Read on. 

How to choose the right sunscreen

With so many options on the shelf, picking the right sunscreen can be a bit overwhelming. Focus on these essentials:

• SPF 30 or higher – the higher the number, the better the protection.
• Broad-spectrum – protects against both UVA and UVB rays.
• Water-resistant – a must if you’re swimming or sweating.
• Cream or lotion – you may want to skip the aerosol sprays. Some studies show they offer patchy, unreliable coverage (source: 1News).

And remember: no sunscreen works if you don’t use enough. Apply 20 minutes before sun exposure and reapply every two hours (or more often if swimming).

For more information, healthify.nz has a great guide on how to choose and apply sunscreen correctly. 

4 everyday sun smart habits

So how do you make sun protection a daily habit? These four steps are a great place to start:

• Cover up

Long sleeves, wide-brimmed hats, sunglasses and shade should be your first defence. Sunscreen comes second. 

• Avoid peak UV times

If possible, plan your outdoor fun around the UV index. Aim for early morning or late afternoon, and use the UVNZ app to check for UV levels before heading out.

• Don’t forget the sunnies

High UV levels can damage your eyes and increase your risk of cataracts. Healthify.nz recommends wearing UV protective sunglasses that meet the AS/NZ 1067.2:2016 standard – ideally close-fitting or wrap-around. 

• Sunscreen all-year-round

Cloudy day? Winter? You still need protection. Data shows that up to 80% of UV rays can still penetrate cloud cover and reach your skin (source: MoleMap). If the UV index is 3 or higher, sunscreen’s a must. 

Keep an eye on your skin

Finally, skin checks are your ‘secret’ weapon in catching problems early. Every few months, look for:

• New moles or spots that weren’t there before.
• Changes in size, shape or colour.
• Itchy, flaky or bleeding spots.
• Unusual marks in tricky areas (e.g. under nails, behind ears, scalp, or armpits).

And whenever in doubt, get it checked. Your GP is always your first port of call. 

Sun, fun and peace of mind

Protection comes in many forms. While sunscreen takes care of your skin, your Insurance Link adviser is here to help with your financial wellbeing. 

So go on, soak up the best of summer (safely, of course!). And if any insurance questions pop up, you know where to find us.

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek financial advice. Link Financial Group 2022 Ltd (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice.  

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