Answer a few quick questions so we can match you with the right plans for your situation.
A qualified NZ adviser will walk you through available options in plain English, no pressure, no jargon.
Choose a plan that works for you and we'll handle the paperwork. It's that simple.
We explain what you're actually paying for and what you're not so you can make a confident decision.
We'll find cover that makes sense for your income and life stage, not just the most expensive plan on the shelf.
We connect you with licensed NZ advisers who are completely independent of individual insurer ties.
We guide you through every step of getting set up. No confusing forms, no chasing paperwork.
Get the right level of cover for your household without paying for things you don't need
No workplace cover to fall back on? We'll make sure you're properly protected.
Not sure if your current cover still stacks up? Request a review from a matched professional.
Request quotes from top NZ insurers without obligation.
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Get a quote with zero pressure to proceed.
Insurances.co.nz was built for New Zealanders looking for straightforward guidance. We connect you with qualified, independent advisers who take the time to understand your health situation and walk you through available options. No hidden agendas, no individual insurer ties. Just clear help getting you connected with a professional.
New Zealand's public health system is world-class for emergencies, but waiting lists for specialist appointments and non-urgent surgery can stretch to months or even years. Health insurance lets you skip the queue, choose your own specialist, and get treated on your timeline.
Most NZ health insurance policies cover private specialist consultations, surgical procedures, and some diagnostic tests. Higher-tier plans can also include GP visits, prescription costs, dental, and optical. We help you understand exactly what's included before you commit.
Premiums vary based on your age, health history, and the level of cover you choose. Basic entry-level plans generally feature lower upfront premiums, while comprehensive individual or family cover options will reflect a broader level of protection. The independent licensed adviser we connect you with can evaluate real quotes across providers to locate a plan that matches your budget.
It takes just a few minutes. Tell us a bit about yourself and what you're looking for, and we'll match you with the most suitable options from our panel of NZ insurers, no obligation to buy.
Yes, that is what the independent licensed advisers we partner with do. Rather than contacting individual insurers yourself, your matched professional evaluates options across providers to display structural differences side by side.
Basic cover typically focuses on surgical and specialist costs, the big-ticket items. Comprehensive plans add day-to-day benefits like GP visits, prescriptions, and preventive care. We'll help you figure out which level makes sense for your life and budget.
Yes, though pre-existing conditions are often excluded from cover, or may attract a higher premium. Some insurers will cover them after a stand-down period. We'll help you understand your options and find a policy that's transparent about what's included and what isn't.
