Money & travel

Product overview

Welcome to New Zealand’s trusted, independent source of practical consumer information. Join us now to access all our information and Consumer advisers when you need them.  

Health insurance

Health insurance policies hero default

Putting a price on your health.

We've reviewed 11 health insurance policies and premiums from 7 companies.

Policy database

Special membership offer

Get 50% off an online membership to Consumer.

Hurry, offer ends 30 June 2017.

  • Independent info
  • Thousands of test results and research you can trust
  • Everything in one easy place
  • Expert support a phone call away if things go wrong


Hospital pass

If you require urgent medical attention, the public health system will patch you up. But health insurance may come in handy if you develop less urgent ailments such as cataracts or crunchy knees.

Become a paying Consumer member or log in to find out more.

Premium health

There are different types of health insurance. You can buy policies that cover day-to-day care such as visits to the GP and dentist or hospital and surgical policies that cover elective procedures (and allow you to sidestep the public health system).

We reviewed hospital and surgical policies offered by seven companies. Of the 1.3 million New Zealanders covered by health insurance, nearly 70 percent fall under this policy type.

Become a paying Consumer member or log in to find out more.

The bare essentials

If you require surgery, policies cover the costs associated with the procedure including:

  • hospital admissions
  • fees for surgeons and anaesthetists
  • specialist consultations
  • diagnostic procedures
  • post-op physiotherapy and home nursing

Become a paying Consumer member or log in to find out more.

Notable extras

Most hospital and surgical policies provide cover for diagnostics not associated with surgery.

Become a paying Consumer member or log in to find out more.

Poor health

Insurance should be a simple product. In exchange for a premium, an insurer agrees to take on some of your risk. The insurer should explain what’s covered and what’s not in the clearest possible manner. Unfortunately, health insurance is far from simple.

Become a paying Consumer member or log in to find out more.

Health insurance premiums

Become a paying Consumer member or log in to find out more.

Which insurer has the most satisfied customers?

Insurance providers (responses)[width=40%]Overall satisfaction[bar;width=40%]
Police Health Plan (73)82%
Accuro (140)55%
Partners Life (81)51%
Southern Cross (2822)50%
UniMed (237)50%
Sovereign (214)41%
Nib (482)34%
AVERAGE (4178)48%

These results are from our 2016 insurance survey of 8000 Consumer NZ members.

Southern Cross top 5 procedures 2015

Become a paying Consumer member or log in to find out more.

Complaints

Health insurance companies must belong to a financial dispute resolution scheme.

All the companies in our survey are members of the Insurance & Financial Services Ombudsman scheme.

If you have a dispute that you can’t resolve with your insurer, you can take the case to the ombudsman. However, the complaint must be “deadlocked” with the company before you can go to the ombudsman.

The scheme can look at complaints about:

  • policy and contract interpretations
  • financial advice or services provided by the insurer
  • the payout offered.

The ombudsman can’t look at complaints about premiums, excesses, underwriting decisions or claims above $200,000.

×