Compare NZ health insurance quotes
Find the best health insurance policy for your needs
Get free quotes & comparisons to make it super easy to find the right policy. Simple 1-
page summary means zero confusion. Independent NZ research means no doubts.
Done-for-you setup means no stress.
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First, some basic info about you…
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Great, let’s get started
First, some basic info about you…
* All fields are required
Candice
2026-02-25
0 months
Shannon
2025-09-25
5 months
Tanzim
2025-09-23
5 months
Juan Manuel
2025-09-11
5 months
Vicki
2025-09-04
5 months
Jacky
2025-09-03
5 months
Eddy
2025-09-01
5 months
Phoebe
2025-08-05
6 months
Nica
2025-07-14
7 months
Suphansa
2025-05-15
9 months
Excellent
Shannon
Verified Customer
Jared gave great advice and provided a lot of incredibly helpful information that helped us easily understand the differences...
Shannon
Verified Customer
Jared gave great advice and provided a lot of incredibly helpful information that helped us easily understand the differences between each medical insurance provider. He was timely in all of his calls and responses — the process was quick and easy, and we felt assured that we had chosen the right provider for our needs. Would highly recommend!
Tanzim
Verified Customer
Love Policywise. George Clark is amazing ! He has assisted me and helped me with the different policies all the way through from...
Tanzim
Verified Customer
Love Policywise. George Clark is amazing ! He has assisted me and helped me with the different policies all the way through from the day I decided to get my health insurance. He has made the process so simple and smooth and has helped me compare & decide which policies best suits my needs. He is great at what he does and I would choose to go via policywise because of the assistance he has provided me so far.
Vicki
Verified Customer
I previously had medical insurance, but decided to stop as we never heard from our advisor and it was getting expensive, but once...
Vicki
Verified Customer
I previously had medical insurance, but decided to stop as we never heard from our advisor and it was getting expensive, but once turning 65 decided I should have it - so contacted Daniel at Policywise and he was absolutely amazing, it wasn't easy to re-instate the policy, but he got it all sorted, he always kept me up-dated - he was amazing!
Eddy
Verified Customer
Don't know if I can name the person dealt with... let's say his name was Jared. Extremely helpful and patient as I had alot going...
Eddy
Verified Customer
Don't know if I can name the person dealt with... let's say his name was Jared. Extremely helpful and patient as I had alot going on and we never seemed to be able to close the deal due to my circumstances. However always felt like he had under control. Extremely friendly and professional gor straight to the point without mucking around which I appreciate as who has time for that. Legendary service and communication.
Suphansa
Verified Customer
Hi Jared, I just wanted to thank you for the outstanding support with my health insurance. You made a potentially overwhelming...
Suphansa
Verified Customer
Hi Jared, I just wanted to thank you for the outstanding support with my health insurance. You made a potentially overwhelming process feel easy and straightforward, and I really appreciate your patience, clear explanations, and quick responses. It’s such a relief to know I’m covered and in good hands. I truly appreciate everything you’ve done! Best regards, Suphansa
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
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.
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.
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.
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.
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.
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.
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.
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.