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  <!-- ── Core Pages ── -->
  <url>
    <loc>https://privatehealthinsurance.co.nz/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/compare/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/contact/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/for-you/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/faqs/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/about/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ── Coverage Type Pages ── -->
  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/hospital-surgical/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/comprehensive-health/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/cancer-care/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/specialist-diagnostics/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/day-to-day-cover/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/income-protection/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/business-health/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/coverage/life-insurance/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Provider Review Pages ── -->
  <url>
    <loc>https://privatehealthinsurance.co.nz/health-insurance/southern-cross/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/health-insurance/nib/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/health-insurance/aia/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/health-insurance/partners-life/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── For You Pages ── -->
  <url>
    <loc>https://privatehealthinsurance.co.nz/for-you/individuals/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/for-you/families/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/for-you/seniors/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/for-you/self-employed/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/for-you/business-owners/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/for-you/new-to-nz/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Blog Articles ── -->
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/private-health-insurance-nz-guide/</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/southern-cross-vs-nib-nz-2026/</loc>
    <lastmod>2026-03-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/how-much-does-health-insurance-cost-nz/</loc>
    <lastmod>2026-03-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/pre-existing-conditions-health-insurance-nz/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/waiting-periods-health-insurance-nz/</loc>
    <lastmod>2026-03-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/what-does-private-health-insurance-cover-nz/</loc>
    <lastmod>2026-03-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/acc-vs-health-insurance-nz/</loc>
    <lastmod>2026-03-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/private-vs-public-health-nz/</loc>
    <lastmod>2026-03-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/switching-health-insurance-nz/</loc>
    <lastmod>2026-03-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/best-health-insurance-families-nz/</loc>
    <lastmod>2026-03-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/understanding-excess-health-insurance/</loc>
    <lastmod>2026-03-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/non-pharmac-drugs-nz-health-insurance/</loc>
    <lastmod>2026-03-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-self-employed-nz/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-for-seniors-nz/</loc>
    <lastmod>2026-04-03</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-for-children-nz/</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/aia-vitality-nz-review/</loc>
    <lastmod>2026-04-06</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/aia-vs-partners-life-nz/</loc>
    <lastmod>2026-04-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/pharmac-vs-non-pharmac/</loc>
    <lastmod>2026-04-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/cancer-cover-nz-health-insurance/</loc>
    <lastmod>2026-04-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-nz-vs-australia/</loc>
    <lastmod>2026-04-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-auckland/</loc>
    <lastmod>2026-04-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-wellington/</loc>
    <lastmod>2026-04-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-christchurch/</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/blog/health-insurance-new-zealand-2026/</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Legal Pages ── -->
  <url>
    <loc>https://privatehealthinsurance.co.nz/privacy/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/terms/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://privatehealthinsurance.co.nz/disclaimer/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
