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!
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Select Deal
Provider
Partners Life
Link
Plan
Monthly
Excess
$250
Plan Fee
$85.49
Plan Name
Private Medical Cover
Plan Type
Comprehensive
Eligibility
21 years old
Surgical Cover
Up to $600,000
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes - Extra
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Select Deal
Provider
AA
Link
Plan
Weekly
Excess
$500
Plan Fee
$10.29
Plan Name
Private Hospital & Specialist
Plan Type
Premium
Eligibility
20 years+
Surgical Cover
Yes
Overseas Treatment
Yes less than 90days
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
AA
Link
Plan
Weekly
Excess
$2,000
Plan Fee
$6.57
Plan Name
Private Hospital
Plan Type
Comprehensive
Eligibility
20 years+
Surgical Cover
Yes
Overseas Treatment
Yes less than 90days
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
AA
Link
Plan
Weekly
Excess
60% cost
Plan Fee
$6.02
Plan Name
Everyday
Plan Type
Standard
Eligibility
20 years+
Surgical Cover
No
Overseas Treatment
Yes less than 90days
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Up to $450
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
Accuro
Link
Plan
Monthly
Excess
$0
Plan Fee
$32.53
Plan Name
SmartCare+
Plan Type
Premium
Eligibility
18 years old+
Surgical Cover
Up to $500,000
Overseas Treatment
Yes - Optional
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes - Extra
Consultations (Pysical & Mental)
Yes - Extra
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Select Deal
Provider
Accuro
Link
Plan
Monthly
Excess
$0
Plan Fee
$27.41
Plan Name
SmartCare
Plan Type
Standard
Eligibility
18 years old+
Surgical Cover
Up to $300,000
Overseas Treatment
No
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes - Extra
Consultations (Pysical & Mental)
Yes - Extra
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Select Deal
Provider
Nib
Link
Plan
Weekly
Excess
80% cost
Plan Fee
$27.39
Plan Name
Combine Premium
Plan Type
Premium
Eligibility
25 years old+
Surgical Cover
Yes
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
Yes
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
Nib
Link
Plan
Weekly
Excess
60% cost
Plan Fee
$19.43
Plan Name
Combine Standard
Plan Type
Standard
Eligibility
25 years old+
Surgical Cover
No
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
Nib
Link
Plan
Weekly
Excess
$0
Plan Fee
$12.40
Plan Name
Hospital Premium
Plan Type
Premium
Eligibility
25 years old+
Surgical Cover
Up to $3000
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
Yes
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
Nib
Link
Plan
Weekly
Excess
$0
Plan Fee
$10.04
Plan Name
Hospital Cover
Plan Type
Standard
Eligibility
25 years old+
Surgical Cover
Up to $3000
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
Yes
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
Nib
Link
Plan
Weekly
Excess
80% cost
Plan Fee
$14.99
Plan Name
Everyday Premium
Plan Type
Premium
Eligibility
25 years old+
Surgical Cover
No
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Limit to $500
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Select Deal
Provider
Nib
Link
Plan
Weekly
Excess
60% cost
Plan Fee
$9.39
Plan Name
Everyday Cover
Plan Type
Standard
Eligibility
25 years old+
Surgical Cover
No
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Limit to $350
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Select Deal
Provider
Southern cross
Link
Plan
Monthly
Excess
N/A
Plan Fee
$125.00
Plan Name
Ultra Care
Plan Type
Premium
Eligibility
18 years old+
Surgical Cover
Yes
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
Yes
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
Southern cross
Link
Plan
Monthly
Excess
$0
Plan Fee
$81.00
Plan Name
Wellbeing Two
Plan Type
Comprehensive
Eligibility
18 years old+
Surgical Cover
Yes
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
Yes
Dentist & Gp Consulation
No
Consultations (Pysical & Mental)
Yes
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Select Deal
Provider
Southern cross
Link
Plan
Monthly
Excess
$0
Plan Fee
$53.00
Plan Name
Wellbeing One
Plan Type
Standard
Eligibility
18 years old+
Surgical Cover
Yes
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
Yes
Dentist & Gp Consulation
No
Consultations (Pysical & Mental)
6 months rule
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Select Deal
Provider
Southern cross
Link
Plan
Monthly
Excess
N/A
Plan Fee
$34.00
Plan Name
Wellbeing Starter
Plan Type
Starter
Eligibility
18 years old+
Surgical Cover
Yes
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
Yes
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
With Restrictions
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Select Deal
Provider
Southern cross
Link
Plan
Monthly
Excess
N/A
Plan Fee
$31.00
Plan Name
HealthEssentials
Plan Type
Basics
Eligibility
18 years old+
Surgical Cover
No
Overseas Treatment
Up to $30,000/year
New Born (Up To 3mos)
No
Dentist & Gp Consulation
Yes
Consultations (Pysical & Mental)
No
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 glimp.co.nz 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.
