About Cover4You
Helping New Zealanders navigate private health insurance with independent advice and transparent comparisons.
Our Mission
PrivateHealthInsurance.co.nz is part of the Cover4You, an independent insurance comparison and broker referral service dedicated to helping New Zealanders make informed decisions about private health insurance.
We believe every Kiwi deserves access to honest, independent advice about health insurance options — free of charge and without pressure.
Our Values
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Independence
We compare major providers with no bias.
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Transparency
Clear information, honest recommendations.
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Expertise
Licensed advisers with deep industry knowledge.
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Your Interest First
We're paid by providers, not you.
How the Service Works
You Contact Us
Fill out our simple form with your details and what you're looking for.
We Analyse
Our advisers review your situation and compare major providers.
We Recommend
Receive personalised recommendations with quotes from multiple providers.
You Decide
Take your time, ask questions, and decide what's best for you.
Our Adviser Network
The brokers and advisers we work with are licensed health insurance professionals with extensive experience in New Zealand's health insurance market. They understand the complexities of different policies, the nuances of health underwriting, and most importantly, how to find the right cover for your specific situation.
Qualifications & Standards
- ✓Partner brokers and advisers with years of health insurance experience
- ✓Continuously updated training on health insurance products and regulations
- ✓Bound by professional conduct standards and ethical requirements
- ✓Access to current product information from major health insurers
- ✓Experience with complex health scenarios and pre-existing conditions
We Compare All Major Providers
When you contact us, we compare quotes from major NZ health insurers:
Southern Cross Health Society
New Zealand's largest health insurer with comprehensive cover options and strong brand reputation.
nib
Competitive premiums and digital-first approach, particularly popular with younger New Zealanders.
AIA
Global insurer with unique AIA Vitality wellness programme offering premium discounts.
Partners Life
New Zealand-owned insurer known for comprehensive policy wordings and strong adviser support.
Our Transparent Model
How We Make Money
When you take out a health insurance policy, the insurer pays us a commission. You pay nothing — our commission is built into the provider's standard pricing.
No Pressure to Buy
We provide information and recommendations, but you're free to take your time deciding, compare elsewhere, or not buy at all. We're here to help, not to pressure you.
Why Independent Advice Matters
Insurance companies employ sales teams with sales targets. We're independent advisers with no targets — our only goal is helping you find the right cover at the right price.
Ready to Explore Your Options?
Get an independent comparison of health insurance options for your situation.
Contact an Adviser