What we can help you with?
Finding the right health insurance in New Zealand shouldn’t cost you the earth. We receive questions from clients just like you everyday about qualifying for health insurance products, why you should work with an insurance broker to find the right cover for your needs, and how much you should expect to pay in premiums.
Having the right Health Insurance Plan that is future-proofed is vital to ensure you and your family have access to the latest medical surgical and non-surgical procedures. Many older policies don’t cover the new and enhanced ways of treating medical conditions such as cancer, and many have little or no cover for Pharmaceutical drugs not covered by Pharmac.
Having health insurance gives you the peace of mind of knowing we can gain immediate access to hospitalisation when and where we need it while having the often significant costs involved covered.
Check out some of the answers to our most commonly asked questions below so you can see how easy it is to work with Adelphi Insurance for all of your health insurance related needs.
What is the average cost of health insurance in NZ?
A number of factors will influence the cost of your health insurance premiums including age, lifestyle, and pre-existing conditions you have currently or conditions you experienced in the past.
Further to that, the level of coverage you’re interested in will highly influence your regular costs. This could include the deductible (or, out of pocket) expenses you incur for regular services and procedures through to the extras medical care and benefits you want to support your wellbeing and lifestyle. All of these factors would be examined, included in your policy terms, and help you decipher what eligible costs you can claim when the time comes to access your benefit.
To make sure you’re not overpaying for insurance or are underinsured, we recommend speaking with an insurance broker to determine the right cover for your needs and then finding a policy provider who can meet those needs for the best price.
Is it worth having private health insurance in NZ?
Absolutely. Call us biased–but we always recommend having health insurance to keep you protected against the extra accidents and illnesses that come up in life.
Further to that, having a private health insurer potentially means having more options available to you in the event of an accident, injury, or illness–and getting the type of healthcare you want during a challenging time. Because New Zealand healthcare specialists operate in both a public and private medical system, holders of private health insurance (or those with the means to pay) can access a private healthcare provider and claim their treatment while racking up huge medical bills.
Recipients under the public health system must receive care from public service providers. While equally as qualified at providing quality care, some private healthcare providers may have shorter wait times for specialist services, offer faster access, or offer additional benefits and services with limited availability in the public system.
Finding the Right Health Insurer in New Zealand
At Adelphi we want every Kiwi to have the health insurance and healthcare cover they need to gain a peace of mind; that’s why our expert brokers can help you navigate the number of policies on the market to find the coverage that suits your need, lifestyle, and budget.
Because New Zealand has an excellent public healthcare system, we’ve noticed that some New Zealanders don’t consider getting private healthcare–which we think is underinsuring yourself. Instead of leaving it up to chance, we recommend getting affordable cover that will give you options to choose how you want to be treated in the event of illness or accident.
Like we said–peace of mind. If you want to know more about the policies we can connect you with, speak with one of our local brokers today. We’re NZ owned and have NZ wellbeing in mind.
Why have private insurance if there is a public health system in NZ?
Great question! How lucky we Kiwis are to have a great public health care system that takes care of every New Zealanders healthcare needs.
Why you might choose to get private health cover is if you want to have more choice when it comes to your medical treatment in the event of an accident, injury, or illness without incurring exorbitant medical bills. Further to that, some policy holders like accessing extra wellbeing benefits that they may have to pay fully out-of-pocket for without their private coverage–for example, remedial massage or physiotherapy treatments.
If you’re interested in adding to your peace of mind knowing you’re covered in case of an unforeseen event or you want to take advantage of all of the other health specialist consultations and services on offer, private health insurance products might be right for you.
Don’t take our word for it
here’s what our clients say
"Thank you very much for all the work you have put in on sorting our family Health Insurance. Over the past 20 years we have been with various Health Insurers / Brokers, by far you are the best Broker / adviser we have ever had.
I would have no hesitation in highly recommending you to anyone."
"I want to say how much I valued your advice recently. You were very thorough in your advice, communicated very clearly, and gave advice that was clearly directed at what was best for me and my family and not what was best for you from a business point of view. I recommend you to others who are seeking insurance advice."
"During our first meeting Nina was friendly and efficient, setting us at ease while establishing our occupations, financial restrictions, health history and insurance requirements.
Nina prepared our insurance packages, emailed them to us then we met again to the discuss the options she had clearly illustrated. Due to changing circumstances Nina requoted our options three times during which she travelled a long distance to meet with us and discuss anything we did not understand in a knowledgeable and concise manner.
My husband and I are happy to recommend Nina as a Financial Advice Provider to any prospective clients."
"Nina was very approachable and a clear communicator from the start. She helped ease the process of such laborious paperwork so effectively. Thank you".
"Omg I am crying right now. Thank you so much. I cannot believe it, this money would come at a perfect time you have no idea. We are a 1 income family & things have been very tight. You are amazing !! Your customer service is top notch".
"In my mid-fifties, I thought it was high time that I got some kind of Health Cover. The reason I decided to get that Health Cover with Adelphi Insurance Brokers, was because of my experience with Dr Nina Giles. She made the whole process very simple and easy to understand, and had an extremely kind and caring manner about her ..... a true professional. I would put my faith in that woman any day, to do her best for her clients with honesty and integrity."
"Dr. Nina Giles was thorough, empathetic, patient, caring, knowledgeable and professional throughout the process of finding me a more affordable health insurance policy. She also inspired trust, in that I felt she could be entrusted with confidential health information"
“My husband had been admitted to hospital on 17th December 2021 with a collapsed lung. Ian was so amazing. He looked after everything for me. He even stayed in touch to make sure my husband was okay. Then in the new year he came to see us and helped with the paper work so we could lodge our claim. He is great”.
“Can I please take this opportunity to say how much I have appreciated your kindness and support throughout this entire journey I have been on and with such a great outcome. You were there for me right from the start and just talking to you, having you listen to me at my lowest and also helping me through all the paperwork, that, I am very grateful for .
Your company is very lucky to have you. Once again Ryan you are the best .”
“Prompt, thorough service from Nina. She came and visited me in my workplace and discussed my options for insurance. She was very professional and gave me plenty of time to make a decision without pressure. Highly recommended.”
"Top class advice, great service, good regular feedback. Thank you, Foster"
“Nina was awesome to deal with... talked us through our options when our current life insurance policy became unaffordable, and she managed to get us a more affordable deal at a different company, highly recommend to all.”
“Nina's professional approach and friendly manner made it so much easier in finding the right solution for us. The plan we settled on provides us with the peace of mind that should a situation occur then we have something in place to call on.”
“Michael who was the friendliest most professional person to help us choose the right plan for us moving forward. Excellent communication made the process very easy and stress free. Michael was available to answer any questions at any time. Highly recommend Michael and Adelphi for all your insurance needs”.
"Honest advice from Chris based on his experience with clients and insurers. He went out of his way to schedule times which suited our family".
“Nina was very patient and answered all my questions to help me decide which policy was better suited to me. She also helped with making sure everything was covered and we didn’t have to worry about missing anything out. Highly recommend Nina – No pressure, patient and understand that not everyone is familiar with policy jargons.”
“We have been guided to a very successful insurance package that fits our needs and seemed to go quite painlessly. Thank you for answering my questions and making a journey I didn't really want to go on as easy as it was.”
"Nina was very knowledgeable and presented an informative and balanced description of the various products. I felt that she had the best outcome for our situation front and centre, rather than trying to push products that we didnt need."
“Ryan has been helping me with my claims for the last few months. I have ongoing health issues which can be very stressful at times, however, Ryan has been nothing short of amazing in helping me with the NIB processes. His thorough attention to detail, reliability, friendly support and kind ear has really taken the load and stress off my shoulders. He gets back to be very quickly and has things sorted within days. He explains the NIB processes in a way I understand and makes me feel valued. He has provided me with remarkable service and I cannot fault his work!!”
“I recently dealt with Andrew to help with my KiwiSaver hardship withdrawal. In what was a stressful time Andrew was very professional, he understood my needs and made the process simple and easy. Would definitely recommend Andrew for anything KiwiSaver."
"Nina is an amazing professional. Besides having a lot of knowledge on what she sells, she was able to explain me in a language I could understand. She is patient, compromised, and really helped find the best option for me. She was everything I needed in such a hard time for me. I can recommend her services with my eyes closed."
