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Private Medical Insurance
Private Medical health insurance provides peace of mind that you can get faster access to medical treatment if you need it. Health insurance provides access to private medical care so you can focus on getting the right treatment and start your recovery sooner.
The New Zealand public health system and ACC do a great job of supporting people who require urgent (acute) medical attention. However, relying on the public system for non-urgent or non-accidental conditions can result in long waiting lists and delayed treatment.
Private Medical Insurance offers comprehensive health cover, providing access to private medical care and the costs of specialist consultations, diagnostic imaging and tests, hospitalisation and surgery at a location and with the medical provider of your choice. There are options to add additional cover for specialist consultations, diagnostic imaging and tests, reproductive health and a health screening allowance.
Key Benefits include:
- No annual limit on the amount you can claim for surgeries under the surgery benefit
- Includes cancer cover for every stage: from diagnosis to treatment and recovery
- Children can be added to the policy at any time, and during their first three months of life, there is no underwriting required
- Worldwide treatment options available to cover the costs of treatment overseas
While our public healthcare system is great for emergencies, Medical Insurance (Private Health Insurance) gives you control over everything else. It ensures that when you need non-urgent surgery or specialist care, you can bypass long public waiting lists and get treated in a private hospital by the specialist of your choice.
Why Choose Private Medical Cover?
- Faster Access to Treatment: Avoid months (or years) on public waiting lists for "elective" surgeries like hip replacements, ACL repairs, or hysterectomies
- Choice of Specialist: You decide who treats you and where, allowing you to stay close to home or choose a leading expert in their field
- Non-Subsidised Drugs: Access life-changing "Non-Pharmac" medications—such as advanced cancer treatments—that aren't funded by the public system
- Private Hospital Comfort: Recover in a private room with more flexibility for visitors and a focus on your personal comfort
Common Plan Options
Most people choose a plan based on the level of "everyday" vs. "major" cover they need:
The "Excess" Advantage
You can choose a Claim excess (the amount you pay toward a claim) to help manage your premiums. A higher excess typically lowers your monthly cost, making high-quality private care affordable for almost any budget.
Peace of Mind: Medical insurance isn't just about paying bills; it’s about removing the uncertainty of "when" you will get better. It’s the guarantee that you can return to health and work on your own timeline
More Medical Insurance Options
