Compare Health Insurance in New Zealand! - Find the Best Policies with glimp!

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

  • Partners life


    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

  • Aa


    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

  • Aa


    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

  • Aa


    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

  • Accuro


    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

  • Accuro


    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

  • Nib


    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

  • Nib


    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

  • Nib


    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

  • Nib


    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

  • Nib


    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

  • Nib


    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

  • Southern cross


    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

  • Southern cross


    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

  • Southern cross


    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

  • Southern cross


    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

  • Southern cross


    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 the best 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 deal from the right provider, and at the best price.

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.