Health Insurance
reduce treatment wait times
• When time matters most, don't get stuck on a list
• Friendly, independent advisers (real humans, no hard sell)
• Health Insurance quotes tailored to your life, budget and needs
Our Providers
Health Insurance without the hassle
Our health shouldn't be reduced to a number on a list.
Get the health insurance coverage you need so that if trouble strikes, you get the care you deserve.
We compare health insurance providers across the country, sourcing multiple quotes that leave you covered and helps you save.
Want support?
Many advisers promise the dream, then are never heard from again.
If you want support through the process, and help with making the right decision, whether that's changing policies or just staying as is we can help.
We'll organise a free no-obligation coverage review and present several applicable options based on your situation, all you need to do is click get a quote, and fill out the 30 second form.
New to Health Insurance?
Our experienced advisers can help ensure your first Health Insurance policy covers your needs, without any additional or surplus costs.
It's a big step to take in your life and we are here to help you navigate it for the first time.
Do it once, do it right.
How it works
1. Tell Us What Matters
Answer a few quick questions about what kind of cover you’re after, whether it’s health, life, income protection, or all of the above.
2. Receive Quotes and Advice
We’ll provide tailored quotes from trusted insurers, along with clear guidance to help you understand your options and what each policy offers.
3. Make a Decision
With the right information and expert support, you’ll be equipped to choose the cover that best fits your needs, both now and in the future.
Where Protection Meets Peace of Mind
Personalised quotes, real guidance.
We’ll walk you through your best-fit options and make sure you feel confident in your cover.
Trusted by NZ Families
“I honestly didn’t think I needed to check anything. But this helped me spot a big gap in my cover — and I sorted it in a few days. Super simple, no pushy calls.”
JOSH T.
Builder, Tauranga
“I thought my work cover was enough, turns out it barely covered anything outside of an accident. My Adviser made it super easy to check and fix that. Genuinely helpful.”
RACHEL M.
Young professional, Wellington
“I’d put off thinking about insurance for years. This tool made it easy to get clear, and now I know my kids will be okay if anything happens.”
MEGAN L.
Solo parent, Christchurch
About us
At Insurance New Zealand, we connect everyday Kiwis with experienced insurance advisers who offer genuine, personalised support.
Whether you’re looking for life, income protection, or other types of cover, we take the time to understand your needs and walk you through the best options, so you can make confident decisions without the confusion.
Health Insurance FAQs
What does Health Insurance cover?
In New Zealand, health insurance provides access to private healthcare services by covering the costs that the public system (funded by the government) may not fully provide or that involve long wait times.
What's the difference between private and public healthcare in NZ?
Public health is free but can involve long wait times; private cover offers faster access to care.
Can I get health insurance with pre-existing conditions?
Some policies exclude pre-existing conditions, others may cover them after a waiting period.
How much does Health Insurance cost?
Costs vary based on age, health, and coverage. There are some initial numbers that you can expect to start from, but insurance providers will need a lot more information before being able to give you an accurate price.
If you click get a quote and fill out the form, a certified financial adviser can work closely with you and collect multiple quotes for you to select from.
What can the payout be used for?
It can cover funeral costs, mortgage payments, debts, or provide income to support for your family.
What if I already have insurance?
Perfect! This tool is designed to help you spot gaps, overlaps, or outdated policies. Many people are unknowingly underinsured or paying too much.
Honest quotes. Advice you can trust.
We’re here to make insurance straightforward, real conversations, plain-English guidance, and recommendations designed around what matters most to you and your family.
Get personalised advice from someone who understands your goals and helps you choose the right cover, without pressure or sales tactics.
Insurance New Zealand is a free insurance check tool that helps Kiwis understand their cover and make informed decisions.
We connect you with trusted, independent advisers only if you choose to be contacted, no pressure, no spam, ever.
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