Hospital & Surgical
Coverage Guide
Skip public waiting lists for planned surgery and specialist hospital care. We match you to the right provider and plan — saving you time and, in most cases, money.
- ✓From $60/month — indicative starting price
- ✓Compare Southern Cross, nib, AIA & Partners Life
- ✓Matched to cover that fits — no paying for what you don't need
- ✓Free service — advisers are paid by insurers, not you
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Compare Hospital & Surgical from major NZ providers
What's Included
Hospital and surgical cover is the most important type of private health insurance in New Zealand. It covers the cost of planned surgery, specialist consultations, and hospital stays — so you can skip public waiting lists and get treated on your schedule.
Key Benefits
Planned surgery cover
Private hospital room
Specialist consultations
Anaesthetist fees
Skip public waiting lists
Frequently Asked Questions
What does Hospital & Surgical cover?
Hospital and surgical cover is the most important type of private health insurance in New Zealand. It covers the cost of planned surgery, specialist consultations, and hospital stays — so you can skip public waiting lists and get treated on your schedule.
Is Hospital & Surgical essential?
Coverage essentiality depends on your age, health status, and personal circumstances. Hospital and surgical cover is generally considered essential for most New Zealanders. A licensed adviser can help determine what's right for you.
How much does Hospital & Surgical cost?
Hospital & Surgical costs from $60 per month depending on your age, health status, and the excess you choose. Younger, healthier individuals typically pay less. You can get a personalised quote from our advisers.
Are there waiting periods?
Most health insurance policies have a 2-3 month general waiting period for new conditions. Some specific conditions like mental health may have longer waiting periods. Accidents are usually covered from day one.
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