Health Insurance
Your Health is Your Greatest Asset so Treat It Like One
Access to quality healthcare shouldn’t be a waiting game. Health insurance helps you bypass long public waitlists and cover the cost of private treatment, from specialist consultations to surgery and diagnostics. We’ll help you choose a plan that fits your needs, your lifestyle, and your budget.
What Does Health Insurance Typically Cover?
- Private hospital and surgical treatment
- Specialist consultations and diagnostic tests like MRI, CT scans
- Cancer care and non-PHARMAC drug cover
- Day surgeries and follow-up care
- Cover for pre-approval and guaranteed payments to providers
- Optional cover for GP visits, dental, vision, and prescriptions
- Access to private treatment facilities with shorter wait times
- Fast-tracked referrals and second opinions
Policies are modular, so we can help tailor a plan to suit your stage of life and health goals.
Who Needs Health Insurance?
- Families wanting fast access to care for children or ageing parents
- Professionals who can’t afford to be off work waiting for surgery
- Self-employed people managing their own sick leave risk
- Anyone who values choice, speed, and certainty around their care
Why Private Health Cover Matters in NZ
- Public waitlists can be long, even for medically necessary procedures
- Non-PHARMAC drugs may not be covered publicly
- Private care offers choice of surgeon, facility, and timing
- Many employers now offer health insurance as a benefit, but individual cover ensures you’re protected no matter where you work
Related Cover to Consider
You might also need Income Protection Insurance if illness prevents you from working, Trauma Insurance to help cover out-of-pocket costs for serious illness, and Life Insurance to support your loved ones long-term.