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Excellent

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4.94 average

311reviews

David Michael​

verified

Verified Customer

Sav and the team at Policywise helped us to set up health insurance for my wife and I. She was an absolute pleasure to work with,...

2 months ago

David Michael​

verified

Verified Customer

Sav and the team at Policywise helped us to set up health insurance for my wife and I. She was an absolute pleasure to work with, offering friendly and knowledgeable service. I can definitely recommend Policywise if you're looking for someone to sort out your insurance needs.

2 months ago

sarah​

verified

Verified Customer

Sav was great, very responsive and good knowledge! Thanks for your help

2 months ago

sarah​

verified

Verified Customer

Sav was great, very responsive and good knowledge! Thanks for your help

2 months ago

Amy

verified

Verified Customer

Very helpful, good communciation, not pushy.

2 months ago

Amy

verified

Verified Customer

Very helpful, good communciation, not pushy.

2 months ago

Terryn

verified

Verified Customer

Easy to work with. Fast response times. Knowledgeable advisors.

2 months ago

Terryn

verified

Verified Customer

Easy to work with. Fast response times. Knowledgeable advisors.

2 months ago

Hannah​

verified

Verified Customer

The process of choosing the right cover for myself and my family was made simple. I just wouldn't have taken the time needed to...

2 months ago

Hannah​

verified

Verified Customer

The process of choosing the right cover for myself and my family was made simple. I just wouldn't have taken the time needed to get the right cover without the support from Policy Wise.

2 months ago

Charlie

verified

Verified Customer

I want to say a HUGE thank you to Sahan Fernando for providing one of the best customer experiences I have ever had! He was...

3 months ago

Charlie

verified

Verified Customer

I want to say a HUGE thank you to Sahan Fernando for providing one of the best customer experiences I have ever had! He was always super responsive to emails, did his best to maximise customer experience, and really made me feel valued. Thanks so much Sahan!!

3 months ago

Tapasya

verified

Verified Customer

I was dealing with Sav who helped me with my health insurance needs. She made the whole process so much easier with her continued...

3 months ago

Tapasya

verified

Verified Customer

I was dealing with Sav who helped me with my health insurance needs. She made the whole process so much easier with her continued support and expertise.

I would highly recommend her to anyone who is looking for a hand in finding the right provider based on their specific requirements which can be a daunting process.

3 months ago

Demishka​

verified

Verified Customer

Sahan was extremely helpful and made sure I understood everything and all the offers. I am young and this whole thing seemed kind...

3 months ago

Demishka​

verified

Verified Customer

Sahan was extremely helpful and made sure I understood everything and all the offers. I am young and this whole thing seemed kind of scary but working with Sahan made the whole thing very easy. Policy wise was able to show a range of different options that covered my needs and were able to answer all my questions. Some truly amazing customer service and a great company overall.

3 months ago

Bethany​

verified

Verified Customer

I have had the best experience with Policywise. When we first started to lookfor health insurance, we're extremely overwhelmed....

3 months ago

Bethany​

verified

Verified Customer

I have had the best experience with Policywise. When we first started to lookfor health insurance, we're extremely overwhelmed. There were so many companies with so many different things to consider. Not only were Policywise able to help me figure out what is the best health insurance for my family but they continue to support us make the best choices, update our cover and work out finances. The lovely Savanthee Raeburn ensured my husband and I were fully covered at a price that suits us and as our family grew she helped set them up too. We highly recommend the wonderful Sav and Policywise for finding health insurance that works for you.

3 months ago

Millaray

verified

Verified Customer

Savanthee Raeburn is very patient and kind. She explained everything in great detail and guided me to choose the best option for...

3 months ago

Millaray

verified

Verified Customer

Savanthee Raeburn is very patient and kind. She explained everything in great detail and guided me to choose the best option for me. I am really very happy with her support.

3 months ago

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.

How Policywise works

1

Tell us about yourself

Click the button below to get started by entering some basic details. (Takes less than 30 seconds.)

2

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.

3

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.

Calum and Amy MacLeod
Calum and Amy MacLeod