best health insurance nz

Health insurance

Fast access to quality health.

Skip the public waiting list and get fast access to private specialists, medical procedures, and medication.

When you or your family members get sick, insurance can pay for high-quality medical treatments and other expenses. With fast treatment times, access to preferred health providers, and compensation for conditions that ACC doesn’t cover, health insurance policies offer extra health benefits such as dental and eye care. Your family’s health is our priority.

Benefits:

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Quicker access to treatment and services
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Get back to work faster
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Coverage for specialist treatments and surgical procedures
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Pays for day-to-day medical expenses such as GP visits

Frequently asked questions

What’s the best health insurance NZ for me?
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The “best” plan depends on what you value most, e.g., skipping the public waiting list, getting fast access to private specialists/procedures/medication, and whether you want extras like dental and optical. We compare options and help you balance speed of treatment, benefits and budget.

Does health insurance cover GP visits, dental care, and optical services?
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Most hospital policies don’t include GP/dental/optical unless you add extra cover. We can help you decide if they’re worth it for your household and structure family health insurance accordingly. Always check the policy wording before you decide.

Can I change plans later or add family members?
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Yes, most policies let you upgrade/downgrade cover, change your excess, and add/remove dependants as life changes. We’ll explain how changes can affect premiums and out-of-pocket costs before you proceed.

Are pre-existing conditions covered?
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It varies by insurer. Some cover pre-existing conditions after a waiting period, while others may exclude them. Disclosing your health history upfront helps us advocate for you and set the right expectations around waiting times and coverage.

Do you help with health insurance in Christchurch?
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Yes, NZ Insurances services clients nationwide, including Christchurch. We compare options across various options and recommend the best health insurance company that fits your situation; we’ll also flag local access considerations and preferred providers.

Are you fully covered?

Take a closer look at these insurance policies. Get in touch for a free quote to make sure you have comprehensive coverage for your lifestyle and budget.

Our dedicated team

Loyal
We’ll seek out the best policy and package for your circumstances, no matter who the provider is, and we’ll bat for you if you need to make a claim.
Experienced
Our knowledgeable insurance advisers are dedicated to keeping Kiwi families’ income and investments safe and secure through quality insurance.
Get in Touch

Ready to Get Covered?

Are you prepared for the unexpected? Please don’t wait until it’s too late to get the right coverage for your life, health, home, and income. Contact NZ Insurances today to speak with one of our expert insurance advisers NZ and secure your future with the best protection.
Feel free to reach out if you need further assistance or would like to learn more about our insurance products. We’re here to support you every step of the way!
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