About BestHealthInsurance.co.nz
Passionate about helping New Zealanders find the right health insurance policy — independent, honest, and at no cost to you.
Our Mission
BestHealthInsurance.co.nz is part of the Cover4You Group — an independent comparison and referral service dedicated to helping New Zealanders make informed decisions about private health insurance.
We are passionate about finding Kiwis the right policy to suit their requirements. Every New Zealander's situation is different — age, budget, family, health history, and what matters most all shape the ideal policy. Our job is to make the comparison process simple and connect you with the right expert.
We believe every Kiwi deserves access to honest, independent information about health insurance options — at no cost and without pressure. When you submit an enquiry, we connect you with a licensed NZ insurance adviser who does the hard work of comparing providers and presenting you with your best options.
Our Values
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Independence
We compare all major providers with no bias — Southern Cross, Accuro (UniMed), AIA, Partners Life, and nib.
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Transparency
Clear information, honest comparisons. We tell you which providers offer the best value and why.
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Passion for Kiwis
We care about finding the right cover for each individual — not just the cheapest or most popular option.
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Your Interest First
The advisers we connect you with are paid by the insurers, not by you. Our focus is finding the right fit.
How the Service Works
You Contact Us
Fill out our simple form with your details and what you're looking for. Takes under 2 minutes.
We Match You
We connect you with a specialist NZ insurance adviser who knows the health insurance market inside out.
They Compare
Your adviser compares all major providers — Southern Cross, Accuro, AIA, nib, and Partners Life — for your specific situation.
You Decide
Receive personalised quotes and recommendations. Take your time, ask questions, decide in your own time — no pressure.
We Compare All Major NZ Providers
Southern Cross Health Society
New Zealand's largest health insurer and the most affordable option at most age profiles. Not-for-profit structure.
Accuro (now UniMed)
Member-owned, second-cheapest premiums, and the only insurer offering mental health as a specific optional add-on.
AIA
Highest financial strength rating in the NZ market. Standout AIA Vitality wellness programme with up to 25% premium savings.
Partners Life
Known for the most comprehensive policy wordings in the market — fewer grey areas, fewer disputes at claim time. Japanese-owned (Dai-ichi Life).
nib
Strong digital claims experience. Premiums tend to run higher than competitors at most age profiles — worth comparing first.
Our Transparent Model
How the Service Is Funded
BestHealthInsurance.co.nz is a free comparison and referral service. When you take out a health insurance policy through an adviser we refer you to, the insurer pays a commission to that adviser. You pay nothing — commission is built into the provider's standard pricing, the same whether you go direct or through an adviser.
No Pressure — Ever
We provide information and connect you with advisers who can help. You're free to take your time deciding, compare elsewhere, or not buy at all. The advisers we work with are focused on finding the right fit — not on sales targets.
Why Use a Referral Service?
Going direct to an insurer means comparing their products only. Using our service means a specialist adviser compares all five providers simultaneously and presents you with the best options for your specific situation — saving you hours of research.
Ready to Find the Right Cover?
Fill in the form and we'll connect you with a specialist NZ adviser who will compare all major providers for your situation and present you with your best options — no obligation.
BestHealthInsurance.co.nz is an independent referral service. We do not provide financial advice. The advisers we refer you to are regulated under the Financial Markets Conduct Act 2013. See full disclaimer.
Get Your Health Insurance Quotes
Compare all major NZ providers in 24 hours