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Best Health Insurance for Self-Employed
Without employer sick leave, self-employed Kiwis need both health insurance and income protection to manage the financial impact of illness or injury. For you, a specialist waiting list isn't just a health issue — it's a business crisis.
Why It Matters
Key Considerations
- •Income protection insurance replaces 75% of your income if you can't work
- •Major medical cover ensures illness doesn't force you into public waiting lists
- •Quick access to specialists means quicker diagnosis and return to work
- •Health insurance is a business cost — faster treatment means faster earnings
Our Recommendations
- ✓Major Medical Cover: Essential when there's no sick leave safety net
- ✓Income Protection: Critical — covers 75% of income during illness
- ✓Accuro or Partners Life: Best value for self-employed
- ✓Combination of health + income protection is the ideal setup
Get a Self-Employed Quote
Personalised health insurance for self-employed
Why Work With Us
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Independent
Our service is completely independent. Advisers are paid by providers, not you.
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All Providers
We compare Southern Cross, nib, AIA, Accuro & Partners Life — all major NZ insurers.
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Fast Quotes
Get a personalised quote within 24 hours. No waiting around.