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Health Insurance NZ

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.

Health Insurance NZ FAQs

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.

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.

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.

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