Compare health insurance plans in NZ - Find the cheapest cover

Get private health insurance in New Zealand and avoid long waiting lists on the public health system. Understanding how your policy works can help you get the urgent treatment, reduce your time off work, and help you back on your feet faster.

Here are the leading Health Insurance Policies in New Zealand!

Health Insurance Plan Type

Frequently Asked Questions

When is the best time to apply for Health Insurance?

It’s up to you! However, it’s recommended to apply early while you’re young, so you can accumulate a bigger safety net. It also helps to start saving while you’re still healthy as you may have a harder time qualifying for it when you have a pre-existing condition. Your premiums may also end up more expensive too as a result.

Can I choose my preferred provider, specialist, or facility?

Yes. Most health insurance providers in New Zealand allow you to choose your place of treatment, with some even allowing you to seek treatment overseas! Of course, there are certain conditions each provider lays out for you to get these benefits, so always compare health insurance policies to find the one that works best for you!

How does Health Insurance in New Zealand work? Do I have to pay out of pocket first then seek reimbursement?

It depends on your agreement with your provider. It’s also possible to get a pre-approval for any upcoming medical procedure. When your claim gets approved, your insurer will pay your health provider directly so you don’t have to pay for anything out of pocket.

Can I view my policy wording prior to my application?

Yes! Providers often give you a link to their policy wording documents before you apply, allowing you to see the inclusions and exclusions in the plan beforehand. Take this opportunity to compare health insurance policies with our free comparison tool to help you find a plan that best fits you!

What are pre-existing conditions?

Pre-existing conditions are medical or dental illnesses – can be ongoing or not – which you’ve sought medical advice for. Any condition that you’ve been taking medications for and any condition that you’ve been seeing a medical specialist for are also considered pre-existing conditions.

Depending on your policy, it can be possible to get your pre-existing conditions covered. Always compare health insurance options before signing up to see the details of the policies you’re considering.

About glimp

glimp is a comparison website for utilities such as broadband, power and gas. glimp has helped thousands of New Zealanders find great deals on their utilities since January 2016. The comparison and switching service is designed to help you save time and money by finding you the best deals from participating providers, and at the best prices.

glimp strives to ensure the information on its website is accurate and up to date, but it may exclude special offers from providers. The information is not an endorsement or advice. Before choosing a provider, you must satisfy yourself as to its suitability for your situation. Terms apply.