Find NZ's Best
Health Insurance Cover
Skip public waiting lists. We connect you with specialist NZ advisers who compare all major providers to find the right policy for your requirements.
- ✓Southern Cross, nib, AIA, UniMed and Partners Life explained
- ✓Independent referral service — no cost to you
- ✓Quotes back within 24 hours, no obligation
- ✓Access to plans not available direct-to-public
Get Your Health Insurance Quotes
Compare all major NZ providers in 24 hours
Why Get Private Health Insurance in NZ?
New Zealand's public health system is world-class — but waiting lists for planned surgery can stretch months or even years.
Skip the Waiting Lists
The average wait for planned surgery in NZ is 4–18 months. With private cover, you can be treated within weeks at a hospital of your choice.
Private Room & Choice
Choose your own specialist and private hospital. No shared wards — just comfortable, personalised care when you need it most.
Access Non-Pharmac Drugs
Cancer treatments and specialist drugs not funded by Pharmac can cost $50,000+. The right policy covers these life-changing treatments.
Coverage Types
From major medical to mental health — find the right level for your needs and budget.
Major Medical Cover
Comprehensive cover for hospital stays, surgery, and specialist consultations.
Surgical Cover
Covers the cost of planned surgery and private hospital stays.
Everyday Health Cover
Claim back everyday health costs like GP visits, prescriptions, and optical.
Trauma Insurance
A lump sum payment if you're diagnosed with a serious condition like cancer or heart attack.
Life Insurance
Protect your family's financial future if the worst happens.
Income Protection
Replace your income if illness or injury stops you from working.
Business Health Insurance
Group health insurance for your team — a tax-effective employee benefit.
Mental Health Cover
Access private psychology and psychiatric care without the public waiting lists.
How It Works
We publish the information and vet the brokers. They do the comparing and the advising.
Tell Us What You Need
Fill in a quick form — takes under 2 minutes. Tell us who you want to cover and what matters most to you.
A Specialist Broker Compares For You
One of the specialist brokers we work with, a licensed New Zealand financial adviser, compares the insurers they hold an agency with against your age, your medical history and the cover you actually want.
You Choose, They Sort It
You pick the plan that fits. Your broker handles the application and the paperwork.
Providers We Cover
The five main New Zealand health insurers, described from what each publishes about itself. We do not rate or score them. How this service is funded is set out in our Disclaimer.
nib
Part of nib Group. Sells Everyday cover, Hospital cover, or both, with an excess you choose.
AIA
Offers Private Health and a separate Cancer Care plan, plus the AIA Vitality wellbeing programme.
UniMed
A not-for-profit mutual society, operating since 1979. The Accuro brand has now merged into UniMed. Range spans everyday care through to comprehensive hospital cover.
Partners Life
Life and health insurer selling through financial advisers rather than direct.
Southern Cross
Describes itself as a for-purpose Friendly Society founded in 1961, and publishes that more than 951,000 New Zealanders were with it as at 30 June 2025.
Cover For Everyone
Whether you're an individual, family, or business — we tailor cover to your specific situation.
Individuals
Tailored cover for your personal health needs and budget.
Families
Protect your whole family with a single comprehensive policy.
Seniors
Specialist cover for over-65s — no age-out surprises.
Self-Employed
Income protection and health cover when sick leave isn't an option.
Business Owners
Group health plans that attract and retain great staff.
New to NZ
Understand the NZ health system and get covered fast.
Regulated Advisers
The advisers we connect you with hold FSP registration with the FMA.
Independent
Not owned by an insurer, and free to use. How the service is funded is set out in our Terms.
Vetted Specialists
We work with a number of specialist trusted brokers and underwriters, and we check each one's licence, disputes scheme and insurer agencies before referring a single enquiry.
Fast Response
Receive personalised quotes within 24 hours of enquiry.
Health Insurance Guides
Independent guides to help you work out what you need.
Why ACC Doesn't Cover Everything — The Health Insurance Gap
ACC covers accidents, but most people don't realise what's excluded. That's where health insurance fills the critical gap.
UniMed Health Insurance: What They Publish About Their Own Cover
A look at what UniMed publishes about its own plans — the not-for-profit structure, the plan range, and the cover it documents — without ranking it against anyone.
AIA Vitality Premium Flex: How the Discount Actually Moves
AIA publishes the exact rules for its Vitality premium discount — a 10% start, then up or down each year by status. Here is what the published table says.
Ready to Find NZ's Best Health Insurance?
Get personalised quotes from all major NZ providers. Takes 2 minutes — no obligation, no spam.