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.
- ✓Compare Southern Cross, nib, AIA, Accuro & Partners Life
- ✓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
Getting the best health insurance is simple with our expert advice service.
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.
An Adviser Compares For You
A specialist NZ insurance adviser compares Southern Cross, nib, AIA, Accuro (UniMed), Partners Life and more to find your best options.
You Choose, We Sort It
You pick the plan that fits. Your adviser handles all the paperwork. Cover can start in as little as 24 hours.
Providers We Compare
We work with all major New Zealand health insurers to find you the best cover at the right price.
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.
100% Independent
Our advisers are paid by insurers — no cost to you, ever.
All Major Providers
We compare every major NZ health insurer side-by-side.
Fast Response
Receive personalised quotes within 24 hours of enquiry.
Health Insurance Guides
Expert advice to help you find the best cover.
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.
Accuro Health Insurance Review 2026: The Overlooked Insurer
Accuro is smaller but offers competitive value and unique features (mental health add-on, straightforward claims). They're often better value than Southern Cross or nib.
AIA Vitality: A Practical Guide to Earning Maximum Discounts
How to actually earn the maximum AIA Vitality discount — the exercise tracking requirement, health assessments, and whether the maths work for you.
Ready to Find NZ's Best Health Insurance?
Get personalised quotes from all major NZ providers. Takes 2 minutes — no obligation, no spam.