Find useful health insurance information in the area below.



Healthcare in New Zealand is mixed public-private and while free treatment is delivered at a high and consistent quality, a vast number of New Zealanders take at least one form of health insurance to cover such areas as urgent treatment or operations.

Types of Healthcare

There are many reasons why a person requires medical care. These include:

  • Specialist care
  • Hospital treatment
  • Pregnancy and childbirth
  • Emergency treatment
  • Accident treatment
  • Longterm illnesses
  • GP care
  • Dental care

In New Zealand, many of these care areas are free although dental care after the age of 18 is not included in free healthcare. You may even be entitled to a Community Services Card (CSC), if you are on a low income or receive benefits.

However, even when excellent free services are available, long waiting lists and specialist areas can often lead people to seek additional help in the form of health insurance. This may be especially important if you or your family are affected by a major health issue.

There are many excellent health insurance providers in New Zealand, providing all areas of healthcare.

Where Can I Get Health Insurance?

You can get health insurance direct from a health insurance provider. These provide a range of standard and tailored health insurance policies to help you and your family get the best care available.

Choose from basic and comprehensive policies, which generally cover all non-surgical procedures and costs related to hospitalisation and private hospital care. You can also choose more detailed policies such as fully underwritten cover or auto-acceptance. Depending on which one you take you may or may not have to declare your full previous medical history.

What Should I Look For?

Finding the right health insurance shouldn't be too difficult all you need to do is take some time and compare as many policies and providers as you can. You may think first about the price of a policy but there are other factors to consider, including:

  • What type of care is covered?
  • What specialists could I access?
  • What isn't covered?
  • How can I pay for this premiums and excess
  • Will I receive any additional benefits for long-term cover?

It is essential to know exactly what is and isn't included in a policy before you sign up. This ensures that you don't experience any unpleasant surprises in the event that you do need to make a claim.


Please note that Which Way To Pay New Zealand ( is not authorized to give personal financial advice under New Zealand's financial services regulations, including the Financial Advisers Act (Securities Commission New Zealand).

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