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.
Complete peace of mind knowing that you’ve chosen the right provider
We’re fully licensed 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. -
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
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Tell us about yourself
Click the button below to get started by entering some basic details. (Takes less than 30 seconds.) -
Get your FREE, no-obligation quote comparison
We’ll provide a straightforward run-down of your best options. It will show you the top health insurance policies that match your needs, with research and rankings on each health insurance provider. You can see a quote summary of the lowest market prices available for these policies. We provide all this completely free, with NO ADDED COST on the premiums, because the insurer pays our fees. -
We take care of everything for you
If you like our recommendations, our experienced health insurance heroes will set up everything. Eliminate the pain of organising your health insurance. We handle all the time-consuming back-and-forth with the insurer, on your behalf. This is FREE for you because the insurer pays our fees as a commission on the policy you buy.
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.