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Health Insurance
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Health Insurance

Do you want more control over your healthcare journey and peace of mind?

What is Health Insurance

Health insurance in New Zealand is a voluntary coverage plan that helps cover the costs of private healthcare services, offering benefits such as reduced waiting times, enhanced provider choice, and access to additional treatments beyond what the public system provides. Private health insurance empowers you with faster access to elective surgeries, specialist treatments, and the freedom to choose when and where you receive care. 

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FAQs

Do I really need health insurance if public healthcare is free in New Zealand?

New Zealand public healthcare covers essential services, but health insurance can help you avoid waiting lists, provide broader provider choice, and cover treatments or surgeries that might not be fully funded by the public system.

What kinds of plans are available?

Plans typically range from basic hospital-only policies that cover major surgeries and hospital stays to comprehensive plans that also cover consultations, diagnostics, prescription medications, and sometimes dental or vision care.

How are premiums determined?

Insurers consider factors such as age, medical history, lifestyle, and the level of coverage you choose when calculating premiums.

Can I still use the public system if I have health insurance?

Yes. Having private coverage does not disqualify you from accessing public healthcare, and many people use a combination of both to manage their health needs.

What does an excess or deductible mean?

An excess (or deductible) is an amount you pay out-of-pocket before your insurance coverage applies; choosing a higher excess often lowers your premiums.

How can I decide on the right plan for me?

Consider factors like your budget, current and potential healthcare needs, whether you want coverage for day-to-day medical costs, and how quickly you want to access elective or specialist care.