Health Insurance

Health insurance provides a valuable backstop for New Zealanders.

It ensures coverage and early access to healthcare when the public system doesn’t deliver.

Health insurance provides you with an alternative way of paying for treatment so that you can access private services and advice when you need it.

None of us know which health problems will affect us, or how they will impact on our lifestyles and earning abilities. Health insurance protects you against the unpredictable variations in your health costs.

If you purchase health insurance while you’re healthy, you will be covered for health problems that you may have in the future.

Note that some conditions may not be covered if you purchase health insurance after they are evident. This concept is not dissimilar to purchasing insurance for your car after you have had a crash