Accidents and illnesses can strike at any time, and you need to be financially prepared. Avoid public waiting lists and have more control over access to treatment with the right health insurance cover.

Key Benefits of Health Insurance:

• Access to private medical treatment that provides a broader range of treatment options than are available through the public health system
• Before and after hospitalisation costs – If you have surgery or treatment in a private hospital, all of the related specialist consultations and tests in the six months before and after the hospitalisation are covered
• Hospice respite – your health insurance cover includes reimbursement for hospice costs of $300 per day for up to a maximum of 10 days for each admission (certain exclusions and limits apply). No excess will be deducted from this hospice benefit
• Overseas treatment – if you require treatment that is unavailable in New Zealand, your health insurance cover will pay you a grant of up to a maximum of $30,000 to assist with the transport, accommodation and treatment costs that you incur. (certain exclusions and limits apply)
• Australasian treatment cover – if you receive treatment for your condition in Australia, you are covered for the equivalent in New Zealand costs.

Benefits shown are indicative only and vary by insurer, policy wording, and individual circumstances. Full details will be provided as part of our advice.

Together we can develop a health plan that can be as flexible as you need it to be. If your life circumstances change, we can restructure your insurance plan so that it works with your budget, but still covers all eventualities.

Please note: ACC is a government-funded scheme covering accident-related injuries only. Acute public healthcare provides urgent and emergency treatment through the public health system for serious or life-threatening conditions. Private health insurance is a privately funded product designed to support non-accident illnesses, elective procedures, and faster access to specialists, diagnostics, and private treatment. Coverage, eligibility, wait times, and benefits vary depending on the condition and policy terms.