Terms of Use

1. Acceptance of Terms

By accessing and using BestHealthInsurance.co.nz, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website.

2. Nature of Service

BestHealthInsurance.co.nz is an information and referral service operated by Cover4You Group. We provide general information about health insurance options in New Zealand and connect users with licensed insurance advisers. We do not provide regulated financial advice directly through this website.

3. How We Are Paid

BestHealthInsurance.co.nz is free to use. We do not charge you for anything, and we do not take payment from you at any stage.

When you submit an enquiry we pass your details to one of the specialist brokers or underwriters we work with. We are paid only if you go on to take out a policy: the insurer pays a commission to that broker, and we receive a share of it. We are not paid for the enquiry itself, and we are not paid for passing your details on. Commission is built into the insurer's standard pricing and is the same whether you buy through a broker or go direct, so being referred by us does not increase what you pay.

The cost of this service is met by the underwriter, through the broker who places the policy. It is never met by you. It also does not add anything to your premium: commission is already built into the insurer's standard pricing, and it is there whether you use a broker or buy direct. Declining advice does not refund that component of the price, so for cover sold through brokers there is no saving in going it alone.

We want to be plain about this: the commission we share in when a policy is placed is what pays for this site and allows us to keep publishing it. Those arrangements are not the same across every provider. We have them with some, not with others, and there are insurers we have no arrangement with at all.

Because we earn nothing unless someone actually takes out cover, we have no commercial reason to send you to a broker who cannot help you. A poor match costs us the same as no enquiry at all. That is the alignment this model rests on, and it is worth understanding so you can judge for yourself whether it holds.

Those arrangements can affect two things, and we would rather you heard it from us. They can affect which broker or underwriter receives your enquiry. They can also affect the order in which providers appear on this site. The order is our own editorial and commercial choice. It is not a rating, a ranking or a recommendation, and you should not read anything into it about which cover is better.

What those arrangements do not affect is the factual information we publish. Every benefit limit, waiting period, exclusion and published price on this site is taken from what that insurer publishes on its own website or in its own policy documents, with the date we retrieved it. We do not alter, omit or soften a published fact about an insurer because of a commercial arrangement, or the absence of one. We do not rate or score insurers, and we do not accept payment to describe one favourably.

Because of this, you should treat our content as a starting point rather than a complete view of the market. There may be insurers or products we do not cover, and there will be providers we cannot arrange a quote for. You are free to approach any insurer directly, and for some insurers that is the only way to buy.

Your broker has their own disclosure obligations and must tell you what commission they receive on the policy they recommend. Ask them for their disclosure information before you act on their advice.

4. General Information Only

The content on this website is for general information purposes only. It does not constitute financial advice and should not be relied upon as such. Health insurance products vary significantly and individual circumstances affect what cover is most appropriate. You should seek personalised advice from a licensed financial adviser before making any insurance decisions.

5. Accuracy of Information

While we take reasonable care to ensure the accuracy of information on this website, insurance products, pricing, and terms change frequently. We do not warrant that information is current, complete, or accurate. Always verify details directly with insurance providers or your adviser.

6. Third Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on those websites. Links are provided for convenience only.

7. Limitation of Liability

To the maximum extent permitted by law, Cover4You Group and BestHealthInsurance.co.nz are not liable for any loss or damage arising from your use of this website or reliance on information contained herein.

8. Intellectual Property

All content on this website, including text, graphics, and code, is owned by or licensed to Cover4You Group. You may not reproduce, distribute, or use this content without our written permission.

9. Changes to Terms

We may update these terms at any time. Continued use of the website after any changes constitutes acceptance of the new terms.

10. Governing Law

These terms are governed by the laws of New Zealand. Any disputes will be subject to the jurisdiction of the New Zealand courts.

11. Contact

For questions about these terms, contact us at hello@cover4you.co.nz.