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Excellent

Sandra

verified

Verified Customer

We are incredibly grateful for the support we received from the team at PolicyWise. When NIB declined my partner’s claim for...

0 months ago

Sandra

verified

Verified Customer

We are incredibly grateful for the support we received from the team at PolicyWise. When NIB declined my partner’s claim for urgently needed neck surgery, we felt overwhelmed and unsure where to turn. Because we had arranged our policy through PolicyWise, we had someone in our corner who was willing to investigate the original application, listen to our concerns, and advocate on our behalf. Calum took the time to understand the circumstances, reviewed the underwriting process, and challenged NIB where things didn’t appear to add up. Throughout the process, we felt heard, supported, and kept informed. Thanks to PolicyWise’s persistence and willingness to champion our case, NIB ultimately overturned their decision. Having an adviser who doesn’t disappear once the policy is in place is invaluable. We can’t thank Calum and the PolicyWise team enough for their professionalism, integrity, and genuine commitment to their clients. We would highly recommend PolicyWise to anyone looking for advisers who will not only help you choose the right insurance but will also stand beside you when you need them most.

Jackie

verified

Verified Customer

Was a pleasure to deal with Policy wise very professional and thorough.

0 months ago

Jackie

verified

Verified Customer

Was a pleasure to deal with Policy wise very professional and thorough.

Hussan

verified

Verified Customer

Had excellent experience with policy wise. Chakradhar Mukkala Was very helpful and explained everything as I needed.

1 month ago

Hussan

verified

Verified Customer

Had excellent experience with policy wise. Chakradhar Mukkala Was very helpful and explained everything as I needed.

Joy

verified

Verified Customer

Cooper assisted me when changing from workplace medical insurance to self-funded when I retired. Excellent service - he took the...

1 month ago

Joy

verified

Verified Customer

Cooper assisted me when changing from workplace medical insurance to self-funded when I retired. Excellent service - he took the time to understand my family needs and very quickly provided me with a choice of suitable providers. During the actual changeover he also provided good service by liaising directly with the new provider to ensure seamless coverage. Highly recommend Policywise.

Siti

verified

Verified Customer

I was assisted fully to make a clear decision making on which insurance would benefit me the most

2 months ago

Siti

verified

Verified Customer

I was assisted fully to make a clear decision making on which insurance would benefit me the most

Joanne

verified

Verified Customer

Excellent serivce, very support. Answered all the questions l was unsure about, couldn't be more helpful.

2 months ago

Joanne

verified

Verified Customer

Excellent serivce, very support. Answered all the questions l was unsure about, couldn't be more helpful.

Monya

verified

Verified Customer

Jared was amazing at getting my health cover sorted! He was efficient and friendly with clear and consistent follow up...

2 months ago

Monya

verified

Verified Customer

Jared was amazing at getting my health cover sorted! He was efficient and friendly with clear and consistent follow up communication. Definitely made the process effortless.

Jonathan

verified

Verified Customer

Honestly - fantastic. Rachel Whitton was so wonderful and helpful to work with.

4 months ago

Jonathan

verified

Verified Customer

Honestly - fantastic. Rachel Whitton was so wonderful and helpful to work with.

Evette

verified

Verified Customer

Policywise consultant Chakra was amazing with explaining in detail - the policy I purchased. He compared couple of other...

4 months ago

Evette

verified

Verified Customer

Policywise consultant Chakra was amazing with explaining in detail - the policy I purchased. He compared couple of other insurance options for my needs and assisted with the best possible solution. Quick turnaround with purchasing the policy and queries answered.

Kasun

verified

Verified Customer

Chakradhar at Policywise provided fantastic service when I was looking for the right insurance policy. He took the time to...

5 months ago

Kasun

verified

Verified Customer

Chakradhar at Policywise provided fantastic service when I was looking for the right insurance policy. He took the time to understand my needs and found me the best suitable policy with excellent coverage. His customer service was outstanding — friendly, clear, and professional from start to finish. The follow-up was also excellent, with regular check-ins to make sure everything was in order. I felt very well looked after. Highly recommend Chakradhar and Policywise to anyone needing reliable insurance advice in NZ!

How Policywise works

1

Tell us a bit about your situation

Answer a few quick questions so we understand what you’re looking for. Takes around 30 seconds. No obligation. No pressure.

2

Get a clear comparison of suitable options

A licensed adviser reviews your details and compares health insurance options that may suit your needs. You’ll see:

  • A one page summary on what’s covered (and what’s not)
  • Key differences between providers
  • Pricing across the top providers to guide your decision

Everything we do is free to you. If you choose to proceed, the insurer pays us a commission — there’s no added cost to your premium.

3

We handle the hard parts — now and in the future

If you take out cover through Policywise, we support you for the life of your policy. That includes:

  • Managing the application and back-and-forth with the insurer
  • Presenting your information clearly to help you get the least amount of exclusions from your chosen provider
  • Supporting you through claims, and negotiating with the insurer on your behalf

This ongoing support is included at no extra cost.

If you go direct, you pay the same premium — without independent advice or support when it matters most.

Complete peace of mind knowing that you’ve chosen the right provider

We’re fully licenced and registered to advise you. More importantly, we have enormous amounts of experience in the health insurance industry—so we can provide specific recommendations that match your exact requirements.

For instance, some providers don’t cover certain conditions, or don’t cover them well, so we’ll make sure that what you need is what you actually get. Also, while all policies go up every year, some go up faster than others. You don’t want to choose a provider that is going to end up costing you more in 10 years.

We can also help you if you have pre-existing conditions you need covered, or a family history of a condition.

Taking the pain out of health insurance

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Based on independent research

Unlike other comparison sites, we give you recommendations based on in-depth independent research about each health insurer. This means you can make an informed and confident decision.

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The only comparison site focused exclusively on health insurance

We only do health. We are living and breathing health insurance, eating it for breakfast lunch and dinner. Our knowledge is therefore second to none.

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The right policy for your needs

We’ll help you avoid policies that won’t provide the critical cover you need, or will just waste your money with unnecessary bells and whistles. Don’t buy a lemon.

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Kiwi owned & operated

With people in Wellington, Tauranga, and Christchurch, we work with customers right across New Zealand. We have a heart for protecting Kiwis’ health with the best insurance, for the best price.

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You’re in control

We give you the information you need to make an informed decision. You are free to take it or leave it. No pressure or sales tactics. If you like our recommendations and choose to take out a policy, we’re happy to set it up for you with the insurer.

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100% free service, lowest market prices

Our purpose is to find you the best cover for the lowest going rate—so you don’t have to shop around. We can generally match or beat any price for a policy. Our service is completely free because the insurer pays our fees. This is worth their while because we save them time and money expertly matching the right customers to the right policies.

Why bother with health insurance?

There are two main reasons:

1. Much shorter waiting lists

According to a survey by TNS research, waiting lists for elective surgeries at New Zealand’s public hospitals average 304 days. An increasing number of people are now waiting over a year.

Half of New Zealanders surveyed believe waiting lists will become even longer over the next 10 years. This fear is reasonable. As New Zealand grows, hospitals will have to serve more people, and as our population ages, treatment loads will increase. Will DHB funding and resources keep up with demand? History suggests not.

With health insurance, you can avoid all these problems by going directly to private hospitals for treatment, with the cost covered by your insurance provider. If you choose the right health insurance cover, you can get treated within 30 days.

We specialise in finding the right insurer for you, with the lowest market prices. This is all free to you. Neither we, nor the policy providers, add any extra cost or hidden fees.

2. Better treatment & options

Choosing the right health insurance cover means you can claim for 100% of private hospitalisation, treatments, tests, scans, and non-funded drugs (subject to their policy wording).

But choosing correctly is very important, because many non-funded drugs are not covered under most policies. Non-funded drugs are simply ones that the government does not subsidise. Unfortunately, this is a large number. The IQVIA report, commissioned by Medicines New Zealand, ranked New Zealand last for both access to funded medicines, and for pharmaceutical investment overall.

The report showed 304 modern medicines funded internationally between 2011–17 by countries such as the US, UK and Germany. Only 17 were funded in New Zealand.

Not many policies cover non-funded drugs. Only 3 insurers offer it. This is important if you need access to expensive treatments that are available across the world, but not funded under our public health system. You need to choose your policy really carefully, because the cost of having this cover is tiny compared to the cost of the drugs.

About Policywise

Hi, I’m Calum, and I run Policywise with my wife Amy. After seeing first-hand so many people choosing the wrong cover from the hands of sterile comparison sites, and seeing first-hand the consequences of people then having the wrong cover, we determined to help Kiwis make informed decisions when it comes to choosing health insurance.

At the same time, we also wanted to eliminate the endless paper forms and painful back-and-forth with insurers.

Finally, we wanted to provide this service for free to all Kiwis, so that the maximum number of people would use it, no matter where they are (we’re in Tauranga).

Our 5 star reviews are a testament to how using the latest technology lets us serve our customers better, and make sure you get a consistently amazing service, from Cape Reinga to Bluff. Because people have been so stoked working with us, since starting, our business has expanded to the point that we have needed to bring on extra insurance advisors to help with the load.

Calum and Amy MacLeod
Calum and Amy MacLeod