Health Insurance
Private health insurance can help pay for eligible private specialist care and elective procedures. Access, choice of provider and timing depend on your policy, referrals and availability. We compare options from the selected providers available to us and recommend what fits your family and budget.
Why It Matters
Private health insurance can provide another route to eligible non-urgent treatment. Cover depends on policy benefits, exclusions, limits and any excess. Referrals, insurer approval and specialist availability can also affect when and where treatment takes place.
01
Faster specialist access. Private cover may help you access eligible specialist consultations, subject to referrals, your benefits and availability.
02
Choice and control. Your policy may offer a choice of specialists and hospitals, subject to provider requirements and availability.
03
Support for elective surgery. Cover may help pay for eligible procedures. Check benefit limits, exclusions and prior approval requirements before booking treatment.
04
Optional extras. Some policies add GP visits, dental, physio, and other day-to-day cover on top of surgical and hospital care.
Who We Help
Not everyone needs private cover, and we'll tell you honestly if it's not worth it for your situation. It tends to matter most for these groups.
Working people
If time away from work is a concern, consider how eligible private treatment could fit your circumstances. Health insurance pays eligible medical costs; it does not replace lost earnings.
Families
Family cover can include eligible treatment for children. Benefits, premiums, referrals and waiting periods vary, so check what the proposed policy includes.
Healthy today
Your health history can affect the cover offered. A new condition is not automatically covered: policy exclusions, waiting periods, benefit limits and other terms still apply.
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Common Questions
Do you advise clients in Palmerston North?
Yes. We are based at Level 2, 26 Broadway Avenue in Palmerston North and meet clients in person across the Manawatū, as well as advising throughout New Zealand by phone and video call. More about our Palmerston North health insurance advice →
Are pre-existing conditions covered?
Pre-existing conditions may be excluded, covered on specific terms, or eligible for a concession. This depends on the insurer, policy and underwriting decision. Answer application questions fully and accurately, and check your policy documents. Read our full guide to medical insurance in NZ →
How much does it cost?
Premiums vary by age, insurer, benefits, excess and applicable underwriting terms. A personalised quote is more useful than a general price range. A higher excess may reduce premiums but increases what you pay towards eligible treatment.
Will claiming push my premiums up?
It depends on the policy. Some insurers offer low-claims discounts, so claiming may affect a discount at renewal. Premiums can also change with age, cover and healthcare costs. Check your insurer's renewal terms. Read what actually drives premium changes →
Does the advice cost anything?
The initial consultation is free. We normally receive commission from the insurer if you take a policy. Any client-paid fee, including an applicable commission clawback fee, must be disclosed and agreed in writing beforehand. See how commissions work → or read our disclosure statement.
One free conversation and we'll show you what private cover would look like for your family, and whether it's worth it at all.