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 cover all the major providers — Southern Cross, UniMed, AIA, Partners Life and nib — and we do not rank or rate them.
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Transparency
Where we state a fact about an insurer, it comes from what that insurer publishes, and we say where and when. Where nobody publishes a figure, we say so rather than guessing.
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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
Anyone giving regulated financial advice in New Zealand has a legal duty to give priority to your interests. That is not our promise, it is the law, and your broker must be able to show you how they meet it.
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 Refer You
We pass your details to one of a number of specialist trusted brokers and underwriters we have already vetted. That referral is the whole of our role.
They Compare
Your broker compares the insurers they hold an agency with, against your situation and your medical history.
You Decide
You receive quotes and your broker's recommendation. Take your time, ask questions, decide in your own time.
How We Vet the Brokers and Underwriters We Work With
Cover4You does not hold a financial advice licence and does not give advice. That makes the one thing we do control — who your enquiry goes to — the thing we take most seriously. We work with a number of specialist trusted brokers and underwriters, and before any of them receives a single enquiry from this site we check the following, and we check it again periodically.
They hold a current licence
Every partner broker is a licensed Financial Advice Provider, or an authorised body or financial adviser operating under someone else's licence. We take their Financial Service Providers Register number, confirm it, and keep it on file.
Their licence covers health cover
A licence has a scope. Some advisers are licensed for life and income cover but not for standalone medical insurance. We check the scope covers what people ask us about, because an enquiry sent to an adviser who cannot place it helps nobody.
They hold the right agencies
An adviser can only quote insurers they hold an agency with. We ask which health insurers they are accredited with, so we know what your enquiry can realistically be quoted across.
They belong to a disputes scheme
Every licensed provider must belong to an approved dispute resolution scheme. We confirm which one, so you have somewhere independent to go if something goes wrong.
They publish their disclosure
They must be able to give you their disclosure information — what they advise on, the providers they work with, how they are paid, and how to complain. We ask for it, and we expect you to be given it.
We watch what happens next
We track whether enquiries are contacted promptly and how they are handled. An adviser who does not look after the people we send them stops receiving enquiries.
None of this makes us the adviser. Cover4You holds no financial advice licence. The advice is your broker’s, they are responsible for it, and they are the ones licensed to give it. What we are responsible for is not sending you to someone who should not be receiving your enquiry in the first place.
The Providers We Cover
Southern Cross Health Society
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. Operates an Affiliated Provider network that can settle approved treatment costs directly.
UniMed
A not-for-profit mutual society operating since 1979. Plans include Hospital Select, UniCare Advantage, SmartCare+ and SmartCare, Health Positive, SmartStay, ParentStay and KidSmart. The Accuro brand has merged into UniMed.
AIA
Runs the AIA Vitality programme and publishes its premium discount rules in full: a 10% initial discount that then moves up or down each year with your engagement, to a maximum of 20%. A monthly membership fee applies.
Partners Life
Offers Private Medical Cover as part of its wider Journey Plan range, alongside life, income and trauma cover. Sold through financial advisers rather than direct.
nib
Splits cover into Everyday and Hospital plans and publishes indicative treatment costs on its own site. Part of nib Group, which states it covers over 1.4 million people across New Zealand and Australia.
Our Transparent Model
Free To Use
BestHealthInsurance.co.nz costs you nothing to use, and being referred by us does not increase what you pay for your policy. How the service is funded is set out in full in our Terms.
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.
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