Private Health Insurance
Compared & Simplified
Skip public waiting lists. Get expert, no-obligation advice from licensed NZ advisers who compare all major providers to find your best cover.
- ✓Compare Southern Cross, nib, AIA & Partners Life
- ✓Licensed NZ financial advisers — free service
- ✓Quotes back within 24 hours, no obligation
- ✓Access to plans not available direct-to-public
Get Your Free Health Insurance Quotes
Compare all major NZ providers in 24 hours
Why Private Health Insurance in NZ?
New Zealand's public health system is world-class — but waiting lists for planned surgery can stretch months or even years.
Skip the Waiting Lists
The average wait for planned surgery in NZ is 4–18 months. With private cover, you can be treated within weeks at a hospital of your choice.
Private Room & Choice
Choose your own specialist and private hospital. No shared wards — just comfortable, personalised care when you need it most.
Access Non-Pharmac Drugs
Cancer treatments and specialist drugs not funded by Pharmac can cost $50,000+. The right policy covers these life-changing treatments.
Coverage Types
From basic hospital cover to comprehensive protection — find the right level for your needs and budget.
Hospital & Surgical
Skip public waiting lists for planned surgery and specialist hospital care.
Comprehensive Health
Full cover including hospital, specialists, everyday health, and more.
Cancer Care
Access to the latest cancer treatments and non-Pharmac drugs.
Specialist & Diagnostics
Fast access to specialists and diagnostic tests without the public wait.
Day-to-Day Cover
Claim back everyday health costs like GP visits and prescriptions.
Income Protection
Replace your income if illness or injury stops you from working.
Business Health
Group health insurance for your team — a tax-effective employee benefit.
Life Insurance
Protect your family's financial future if the worst happens.
How It Works
Getting the right private health insurance is simple with our free expert advice service.
Tell Us What You Need
Fill in a quick form — takes under 2 minutes. Tell us who you want to cover and what matters most to you.
We Compare All Providers
A licensed NZ financial adviser compares Southern Cross, nib, AIA, Partners Life and more to find your best options.
You Choose, We Sort It
You pick the plan that fits. Your adviser handles all the paperwork. Cover can start in as little as 24 hours.
Providers We Compare
We work with all major New Zealand health insurers to find you the best cover at the right price.
Cover For Everyone
Whether you're an individual, family, or business — we tailor cover to your specific situation.
Individuals
Tailored cover for your personal health needs and budget.
Families
Protect your whole family with a single comprehensive policy.
Seniors
Specialist cover for over-65s — no age-out surprises.
Self-Employed
Income protection and health cover when sick leave isn't an option.
Business Owners
Group health plans that attract and retain great staff.
New to NZ
Understand the NZ health system and get covered fast.
Licensed Advisers
All advisers hold current FSP registration with the FMA.
100% Free Service
Our advisers are paid by insurers — no cost to you, ever.
All Major Providers
We compare every major NZ health insurer side-by-side.
Fast Response
Receive personalised quotes within 24 hours of enquiry.
Health Insurance Guides
Expert advice to help you make the right decision.
Private Health Insurance in NZ: The Complete 2026 Guide
Everything you need to know about private health insurance in New Zealand — what it covers, how much it costs, and how to choose the right policy.
Southern Cross vs nib: Which NZ Health Insurer is Better in 2026?
A detailed comparison of New Zealand's two most popular health insurers — Southern Cross and nib — on price, cover, claims, and customer service.
How Much Does Health Insurance Cost in NZ? 2026 Price Guide
Real premium examples for NZ health insurance in 2026 — by age, cover type, and provider. Find out what you should expect to pay.
Ready to Compare Private Health Insurance?
Get free, personalised quotes from all major NZ providers. Takes 2 minutes — no obligation, no spam.