MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Ending – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Depositor Compensation Scheme (DCS) Explained
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
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    • Reviews
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  • Banking & Savings
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  • KiwiSaver
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  • Travel Insurance
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  • Power
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  • Essential Money Tips
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    • Valuable Insights
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  • Financial Independence
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  • Life Essentials
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  • Trade Services
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    • Hamilton Trade Services
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Compare Health Insurance NZ 2025: Best Policies, Quotes & Deals

Health insurance in New Zealand is optional - but for many, it offers faster access to treatment and peace of mind. Our guide helps you decide if it’s worth it, what it costs, how to avoid overpaying and where to get quotes from.
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health insurance
Updated 2 July 2025
Summary
  • ​Health insurance can be regarded as a luxury in New Zealand - our state healthcare system offers every essential medical procedure a standard insurance policy covers.
  • The cost of cover ranges based on age, health and gender. Women of equal age and health can pay around 10% more than men for the same health insurance policy.
  • You can buy different types of policies that offer various levels of cover, at varying costs. Quotes and policy inclusions vary, so shopping around is essential to save the most on basic cover.
  • ​Like all insurance, the level of excess influences the policy price. From our examples, we found consumers could save around 30% by taking a policy with an excess of $500 or $1,000 when compared to a policy with zero excess. 

To help you decide if you need health insurance, and how to get the best price and policy if you do, our guide covers:
  • ​Choosing a Policy that Covers You
  • Understanding Health Insurance Exclusions
  • Frequently Asked Questions
  • Need-to-Know Health Insurance Facts
  • Ready to Buy Health Insurance?
  • Compare the Best Health Insurance Policies and Prices
  • Claiming on Your Health Insurance

Know This First: What is Health Insurance?
Health insurance, also known as “medical insurance”, covers the cost of any private medical treatment you receive for ‘acute’ conditions. You pay a premium to cover you for treatment for an acute condition, such as diseases, illnesses or injuries. There are many different policies available, generally offering more coverage/treatments the higher the premium. In summary:
  • You pay a fee (usually fortnightly, monthly or annually) to an insurer who in turn pays out expenses related to medical treatments, i.e. hospital care, surgery and post-surgery care. 
  • You are treated with priority, meaning there is no waiting list or referral process. You get treated without delay. 
  • Treatments and care are done outside of the public system, i.e. at private hospitals and clinics. 

Do You Need Health Insurance? 
With New Zealanders offered some of the best free public healthcare in the world, private health insurance is arguably very much a luxury and not a necessity. Waiting lists aside, New Zealanders enjoy comprehensive medical treatments when they need them, and free aftercare. Irrespective of your income level, savings or age, you have the same right to medical care as the next New Zealander when you need it. 

New Zealanders take out health insurance policies for many reasons. For example, a personal preference to be treated in private hospitals or the desire to avoid waiting lists. However, health insurance won't cover serious things such as organ transplants, nor will it reimburse you for any cosmetic procedures. 

Taking out health insurance 
  • If you decide to insure yourself with a health policy, there are a few ways to bring down the costs per month so that it is more affordable.
  • In this guide, we explain how health insurance works, the best offers and deals available and important things to know. 

The purpose of health insurance
  • It’s important to know that the purpose of health insurance is to cover you financially for urgent treatment and surgeries that you would otherwise wait for on the public/state system.
  • Having health insurance does not entitle you to claim for anything medical-related; there are many exceptions to what is covered, as we outline and explore below. 

Important: Our comparison includes seven major health insurers - AIA, nib, Accuro, Southern Cross, AA Insurance, ​UniMed and PartnersLife. If you need a quote from another insurer, we suggest getting a quote from your bank and/or a specialist health insurance broker.

​​Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.

Related Guide: Due to the long-standing hospital issues throughout New Zealand, we have published a guide for anyone considering g
oing to Australia for Medical Treatment

Health Insurance in a Nutshell - Our View:
  • Health insurance policy costs vary between insurers - comparing is the best way to get the best deal. Never go direct to an insurer without other quotes in hand. And be sure to disclose everything - if you don't, any claim you make could be rejected.
  • While Southern Cross appeared to be the best value health insurer from our quote sample, every person or couple will have different needs and pre-existing conditions.
  • We strongly suggest using a comparison tool; LifeDirect is the most extensive and allows you to quote and buy insurance from leading health insurers such as Southern Cross, nib, AIA, Accuro and others. All have strong credit ratings, meaning the insurers will pay if and when you need to claim for medical treatment. In such instances, LifeDirect handles that by liaising with the insurer.
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health insurance

Choosing a Policy that Covers You (for what you are likely to need)

A policy's fine print is what matters the most . Basic health insurance cover should include the following:
  1. Surgical cover – for example, surgery for acute illnesses such as cancer
  2. Non-surgical cover – for example, allergy treatment
  3. Major diagnostic tests – covering procedures like biopsies and mammograms
  4. Non-Pharmac cover – coverage for drugs not subsidised by Pharmac (essentially the New Zealand Government) for specialised drugs you may need
  5. Overseas treatment – cover if the treatment you require cannot be performed in New Zealand (although this is rare).

​Your individual needs will help you decide how much cover you need. It’s pointless insuring for GP visits if you rarely visit the doctor and/or can afford them, but at the same time being under-insured could create stress for you and your family later on if your cover is not enough to pay for the medical treatment you need. 
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health insurance exclusions

Understanding Health Insurance Exclusions

To help make sense of what matters the most, we explain “not covered” vs “exclusions” and what the difference is.
  • ​Most policies don’t cover specific standard treatments, such as dental care and physiotherapy - these are known as "not covered". We have listed some examples below, but it’s important to check the policy you buy to see what specifically is not covered. The standard treatments that fall under “not covered” are different from “exclusions”.
  • “Exclusions” are claims for the medical treatment relating to, or caused by, specific illnesses or conditions that your health insurance will not cover. Examples of exclusions include claims for the treatment of dementia, pregnancy complications and organ transplants.

Examples of items that (usually) fall under “not covered” (unless your policy specifically permits it):
  • GP consultations
  • Dental care
  • Optical care (i.e. contact lenses and/or glasses)
  • Allied health treatment such as Physiotherapy, Chiropractor or Osteopathy
  • Acupuncture, traditional Chinese medicine and remedial massage
  • Speech therapy
  • Any mental health treatment
 
Examples of items that (usually) fall under “exclusions”:
  • ​Chronic conditions (explained in detail below)
  • Cosmetic treatment/procedures
  • Dementia
  • Fat grafting and liposuction
  • Gender reassignment surgery
  • HIV/AIDS, and any medical condition that arises from it
  • Infertility or assisted reproduction (IVF)
  • Illness caused or contributed to drug or substance abuse
  • Organ transplants, transfusions of autologous blood/blood products
  • Self-inflicted illness or injury
  • Unapproved healthcare services
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health insurance

Health Insurance Frequently Asked Questions

To help you understand health insurance and how it relates to your situation, our FAQs navigate some common queries. 

Do I need health insurance? Can’t I use the public system?

​Health insurance works alongside the services provided by the Ministry of Health. If you have a health insurance policy, you are still entitled to full state health services as you would be without a policy. For this reason, health insurance is only of benefit if you want to avoid waiting lists and have urgent consultations and specialist treatment. If you are happy to wait for treatment, health insurance has limited benefits. 

What are pre-existing medical conditions, and how do they affect health insurance?

A medical condition for which a patient has already received medical advice or treatment before applying for health insurance cover is a “pre-existing” medical condition. Some health insurance policies cover a limited number of pre-existing conditions. However, it’s standard that applicants with hip or knee conditions, a back condition, cancer or cardiovascular conditions will not be covered for medical treatment that relates to those conditions.

You can still get health insurance, and it will cover unrelated illnesses, but the premium may be higher as you are assessed as a higher risk client. 

What do standard treatments cost in New Zealand? My policy has a limit of $60,000 per year for chemotherapy. Is that enough if I get cancer?

​The answer is it depends, and treatment costs could well exceed $100,000 if the cancer is aggressive or returns within one year, or if you need drugs not covered by the government health system. For the certainty of complete care, a popular option is health insurance with unlimited cover for cancer, given it’s the most common cause of death in New Zealand. 

What are Chronic conditions and are they excluded from a health insurance policy?

​Chronic conditions, such as arthritis or asthma, are not covered by standard health insurance policies, given they need ongoing treatment, monitoring and have no known cure. Insuring such conditions would be impossible as the cost of treatment to an insurer is unknown and no insurer will take the risk. For this reason, chronic conditions are not covered by standard health insurance policies.

If I have a policy and now need treatment, what do I do?

The good news is that the process is largely handled for you. Your GP will contact your insurer to request cover and/or refer you to approved providers. The more comprehensive your policy, the more options you have available for treatment. 

Can I switch policies and save money?

  • Yes, but be careful. If you are young and do not have any health problems, then there should be no problem.
  • However, if you have developed medical conditions after taking out your current policy, then it may be difficult to get cover for such existing conditions as a new health insurance company will see them as “pre-existing medical conditions”.
  • As you get older, you’re more likely to be tied to your provider as they know your medical history and will adjust your policy premium accordingly.
  • If you are determined to switch, take some time to make sure all the coverage is the same (or better) before leaving your existing provider. 

Does my health insurance cover loss of income and mortgage repayments if I become ill?

  • In most cases, these situations are not covered. Some policies offer lump sum payment upon a diagnosis to help with family expenses, but health insurance does not cover loss of income or financial hardships.
  • If you would like to insure for loss of income or something similar, you are best to do it with a dedicated provider of critical illness insurance.
  • Critical Illness insurance is a separate insurance policy that provides a lump sum payment if you develop an illness covered by your policy. You can use this lump sum to pay for family expenses (mortgage, rent etc) while you recover. The lump sum is only paid once. 

Will my health insurance policy cover my children and partner?

  • ​No - only family policies cover a family. You can insure each family member separately, although this is uncommon and if any family member has a pre-existing medical condition, it may be cheaper to insure him or her separately.
  • Please make sure you are clear about what your family needs, and that the policy you get is appropriate. Our guide below includes best buys for family insurance. 

My employer offers a workplace scheme. Do I need to buy cover?

​Some New Zealand employers offer a workplace scheme with policies similar to (or the same as) the ones you can buy privately. Check what and who is covered (yourself, or yourself and family) and make sure it’s appropriate for your needs. If you don’t have a scheme, check if your partner's employer may offer a scheme you could join. 

How does the public health system in New Zealand work, and how does it compare to private health insurance?

The government primarily funds the public health system in New Zealand. It provides all residents with various healthcare services, including hospital care, primary care, maternity care, mental health services, and more. Some services may require a co-payment, while others are fully funded. Private health insurance complements the public system by providing access to faster treatment, more provider choices, and additional services that the public system may not cover. Private health insurance also helps to alleviate the burden on the public system by reducing waiting times for elective procedures.

What types of health insurance policies are available in New Zealand, and what factors should I consider when choosing one?

Various types of health insurance policies are available in New Zealand, including basic, comprehensive, and specialist policies. Factors to consider when choosing a policy include:
  • Your budget.
  • The level of coverage you desire.
  • Any pre-existing conditions.
  • The reputation of the insurance provider.
  • Any additional benefits or exclusions.
It's essential to compare different policies and providers to find the best option for your needs and circumstances.

Are there any waiting periods or restrictions on health insurance coverage in New Zealand?

Yes, most health insurance policies have waiting periods before certain benefits can be claimed. Waiting periods may apply to specific treatments, pre-existing conditions, or for a set period after joining a new policy. These waiting periods can vary between providers and policies, so it's essential to review the terms and conditions of your policy carefully.

Can I get a discount on my health insurance premium if I maintain a healthy lifestyle or participate in a wellness program?

Some health insurance providers in New Zealand offer discounts or incentives for maintaining a healthy lifestyle or participating in wellness programs. These may include discounts on gym memberships, fitness equipment, or other health-related services. You must check with your health insurance provider to see if they offer such incentives and how you can qualify for them.

Are alternative or complementary therapies, such as chiropractic or acupuncture, covered by health insurance in New Zealand?

Coverage for alternative or complementary therapies varies between health insurance providers and policies. For example, some policies may include coverage for specific therapies like chiropractic or acupuncture, while others may exclude them entirely. Therefore, it's essential to review the terms and conditions of your policy to determine what is covered.

Will my health insurance cover me for medical treatment or emergencies outside New Zealand?

Some health insurance policies cover medical treatment or emergencies outside New Zealand, while others do not. Such coverage is often called "overseas travel insurance" or "international medical coverage." If you plan to travel or live overseas, reviewing your policy and ensuring you have adequate coverage for your needs is essential.

Can I get coverage for dental, optical, and other ancillary health services under my health insurance policy?

Coverage for dental, optical, and other ancillary health services varies between health insurance policies. Some policies may include coverage for these services, while others may require you to purchase additional or separate coverage. Reviewing your policy to understand what is included and any limitations or exclusions is essential.

Why are some insurers excluded from your comparisons?

When comparing life insurance, health insurance, and income protection insurance, you might notice some providers aren't featured. LifeDirect, our comparison partner, maintains strict standards for the insurers it works with.

Here's why certain companies aren't included:

Life & Income Protection
  • Bank-owned insurers - Banks now own insurance companies but don't offer products through independent advisers. Because the pricing isn't transparent, we don't compare them
  • Pinnacle (OneChoice) - We have excluded this company due to their financial strength rating and what we see as restrictive underwriting
  • Resolution Life - Closed to new business (existing customers only)
  • AA Life - Doesn't work with brokers, though we believe their products mirror Asteron's
  • SBS - Bank product using Chubb and is not available through third parties
  • Smaller/niche insurers - Funeral insurers and specialty providers are too small to be suitable for the wider New Zealand market.

Health Insurance
  • Unimed - Unimed doesn't work with third-party brokers for their main products, only through their Accuro brand. We believe their non-Pharmac drug coverage has significant limitations despite lower pricing. Accuro faced a major cyber attack that disrupted operations for a year, according to this media story.

Why This Matters: Independent advisers like LifeDirect can only recommend trusted insurers that:
  • Work with third-party brokers
  • Meet financial stability requirements
  • Offer transparent underwriting
  • Provide reliable ongoing service

Our View: This ensures you receive unbiased comparisons of quality providers who will be there when you need to make a claim.
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compare health insurance

Health Insurance: Need-to-Know Facts (and what to consider before getting a policy)

New Zealand buy Health insurance to cover them for a range of illnesses and ailments, minor to life-threatening.  Before taking out a policy, our need-to-know facts explain if health insurance is right for you, how to pick the best provider and get the lowest price. 
Health Insurance NZ

You may not need health insurance as the public health system covers a lot

​New Zealand is one of the few countries that provides its residents with free healthcare. For this reason, we see health insurance as an optional luxury. Additionally, health insurance doesn’t cover every medical treatment – cosmetic surgery and transplants are both excluded, so it’s important to work out what you need before you buy a policy. ​
Health Insurance NZ

Consider “Self-insuring” if you are low risk or can afford treatments.

If you’re young (less than 40 years of age) and healthy, there is less chance you will need to claim on health insurance. You can save yourself $500+/year and put the money in the bank.  If you do need any medical treatment, it’s likely the public health system will cover you. If they don’t, or if you want to speed up the treatment, you can draw down on the money you have saved by not having a policy. 

MoneyHub user Debra, a 58 year-old from Northland says:
​“We pay $6,000 a year and it’s no longer affordable, especially as our combined income is $80,000 and we still have a mortgage. We’re not going to renew the policy when it expires. The public system is pretty good and we see health insurance now as a luxury”.

MoneyHub user Don, a 68 year-old from Otago says:​
​“I had health insurance from when I was 40, and it was cheap to start with, but gradually has crept up to $4,000 a year (I’m approaching 70). What I have paid over the years is much more than I’ve claimed. I cancelled it and will put away the savings to fund any treatments required in the future if the public hospital can’t help”.
Health Insurance NZ

Many policies don’t cover pre-existing conditions, but you must check as it’s possible to get cover for your specific ailments

  • The purpose of health insurance is to cover conditions that arise after your policy starts, not to cover every health issue you already have. However, some policies may provide cover for pre-existing conditions after a certain period (usually 3-5 years) from your policy starting. We cannot give a complete list of pre-existing conditions that may or may not be covered, as it depends on your history and their severity, as well as the insurer’s offering.
  • Generally, pre-existing cancer, issues with knees, hip or back, transplant surgery and anything to do with cardiovascular conditions (i.e. diabetes, high BP or abnormal Cholesterol) won’t be covered.
  • Your pre-existing condition may be covered by public health treatment, so it’s best to check if you don’t already know. If you do want to have cover for the condition, find a policy that offers pre-existing cover and contact the company offering it to talk through your case. 
Health Insurance NZ

Health insurance policies cost more as you get older – there are no fixed priced policies for life.

​When it comes to the price of policies, here are the key facts:
  1. Generally, the rule is that you pay more for health insurance the older you get, as you’re more likely to need medical treatment.
  2. Health insurance policies are quoted at the age when you apply, and usually increase annually at a rate often above inflation.
  3. You won’t be covered for pre-existing conditions if you switch, so be careful and read our switch section below. ​
Health Insurance NZ

Pay upfront or by direct debit to save more

Most insurers offer discounts if you prepay a year in advance. For example, Southern Cross will offer 2.5% off if you pay by direct debit. NIB will offer up to 4%. Don’t pick a policy based on a discount; the only thing that matters is to make sure the coverage is right for you. 
Health Insurance NZ

Healthy lifestyles save more

​Many insurers offer a discount for having a “healthy lifestyle”. For example, Southern Cross offers up to 10% off a policy cost if you meet their requirements (sufficient servings of fruit and vegetables per day, regular exercise for 30+ minutes, consume small amounts of alcohol and don’t smoke)
 
If you can show your insurer that you have a healthy lifestyle, you are likely to save. 
Health Insurance NZ

Ignore perks, rebates and special offers; they don’t matter when it comes to your health.

"No claim" bonuses are nice to have, and some insurers offer cheap gym memberships, but you must always look at the policy and make sure it suits you. Free gym membership means nothing if you find yourself not covered for an illness you develop. ​
Health Insurance NZ

Pick a high insurance excess to get a cheaper policy if you can afford it.

  • ​'Insurance excess' is an amount you pay to make a claim. Policies offer a set amount of excess, and it’s for you to decide. Popular options include “no excess” (meaning you pay nothing to make a claim), “$500 excess” (meaning you pay the first $500 of any claim you make) and “$1,000 excess” etc.
  • The annual cost of your premium is lower the higher the excess. For example, taking out a joint policy for a 40-year-old male and 40-year-old female (both non-smokers), we found a saving of between 24% and 38% for choosing a $1,000 excess over a $0 excess. 
  • If you can afford to pay $500 or $1,000 on a claim, we suggest saving money from day one with a higher excess. Should you change your mind or if your financial circumstances change, you can contact your insurer and adjust your excess for any future claims. 

Example Health Insurance Quotes: Joint policy: 40-year-old male and 40-year-old female, both non-smokers

Insurer
Annual Policy
(No Excess)
Annual Policy 
($500 Excess)
Annual Policy 
($1,000 Excess)
Difference ($1,000 Excess vs No Excess)
% Saving
Financial Strength Ratings
Accuro
$4,047.36​
$3,450.72
$3,084​.00
$963.36
24%
A.M. Best Rating: A- (Excellent)
Southern Cross
$2,652.00
$2,292.00
$2,016.00
$636.00
24%
S&P Rating: A+ (Strong)
nib
$4,402.57
$3,280.33
$2831.44
$1,571.13​
36%
S&P Rating: A (Strong) 
AIA
$3,456.60
$2,649.49
$2,111.40
$1,345.2​0
39%
Fitch Rating: AA (Very Strong)
PartnersLife
$4,012.87
$2,858.20
$2,473.38
$1,539.49
38%
A.M. Best Rating: A-(Excellent)
Be aware: If you go for a high excess policy, make sure you have enough money saved to cover the $500 or $1,000 excess fee per claim. 
Health Insurance NZ

Use a price comparison site as a guide, and consider using a broker to get the lowest price and best advice

  • Compare prices online. An informed customer usually gets the best deal, and most appropriate coverage. We suggest trying LifeDirect to get a benchmark as it displays 5-7 health insurance policies.
  • Pre-existing conditions? If you have pre-existing medical conditions, we recommend using a broker – brokers are the most experienced when it comes to non-standard needs.
  • Contact a broker. Once you know the quote range from your online search, see if a broker can do better. Some insurers (such as UniMed and AA Insurance, as well as the banks) do not appear on LifeDirect, so it’s important to keep looking. 

How to find and choose a broker?

Finding a broker to help you isn't so straightforward; our guide to insurance brokers can help. It's also worthwhile asking a friend or family member if they can recommend a broker. 
Health Insurance NZ

Make sure you understand the policy and what it covers (and doesn’t cover!)

Once you've checked the comparison sites, brokers, and insurers you should have a shortlist of your best quotes. Whatever policy you choose, first make sure you know all the key features before you buy, then check that you're getting the best price.​
Health Insurance NZ

Compare your policy to our quotes

​Every six months we obtain quotes from the big health insurers. To make it comparable, all quotes have no excess (so you pay nothing when you claim). Unlike other insurance, health insurance policies are not easy to compare. The range of cover differs for many conditions, some are standard and some are optional. We present a range of standard cover from each company, but each policy is unique in its offering.
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health insurance compare

​Ready to Buy Health Insurance?

Once you’ve become familiar with the basics and have made a decision to get health insurance, it’s time to get the best quote for your needs.
 
Get the best policy without becoming overwhelmed by the details:

Tip 1 – Read our Best Buy Health Insurance policies below to get an idea of price and coverage
We have put together many quotes from health insurers for a sample of individuals. We understand everyone is unique, and for this reason, the price data is presented as an indicative guide to a range of policy prices available. The purpose is to help individuals understand the cover level and make it easier to pick the right policy while reducing the chance of overpaying for cover.  

Tip 2 – Compare prices using specialist health insurance price comparison websites - their prices will often beat what the insurer quotes directly
LifeDirect and InsureMe both cover a range of big brands and some lesser-known insurers. You can get a number of quotes in less than a minute, and a summary of the policy benefits to make a comparison. If you go to the insurer directly, we are aware that in some cases the premiums quoted can be higher. Using price comparison websites gives you an easy way to get a benchmark price.  

Tip 3 – Contact an insurance broker if you have specialist needs
Insurance brokers are the experts and will have access to market information and quotes that you won’t. If you have a specific medical situation or want to talk to someone about a particular issue, searching for recommended local brokers is the way to go. As mentioned above, not every insurance company works with brokers, so the policies offered by a broker may not be the full range available in the market. 

Tip 4 - Check your policy
Make sure the quote offers the right coverage, and consider what excess levels or extra coverage you is most suitable to your finances. Higher excess and less coverage will usually mean a cheaper quote, so it’s worth adjusting the policy details to save money right away.​
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Compare Health Insurance NZ

Compare the Best Health Insurance Policies and Prices

How to save thousands on health insurance over your lifetime:
  1. Firstly, never go directly to a health insurance company first. You’ll pay full price and have nothing to compare with so it may (and probably won't) be the best deal.
  2. Instead, start with a comparison website like LifeDirect. They compare the latest prices from a select number of insurers (Southern Cross, AIA, Accuro etc) and aim to give the consumer all of the relevant information to make a decision. LifeDirect can also provide financial advice to help you tailor your insurance needs.
  3. If you have a specialist health need, family situation and/or prefer to talk to someone directly, contacting an insurance broker is a sensible step.

Our Quotes and Methodology:
  • We obtained multiple quotes from seven insurers for three individual policies.
  • To make our findings fair, all the quotes we obtained were for a $0 excess (so you pay nothing towards a claim) and had unlimited outpatient care.
  • We obtained quotes for three example individuals, all non-smokers - a 35-year-old healthy male, a 40-year-old healthy male and female couple, and a 65-year-old healthy male.
  • While every policy is different, our Best Buys do indicate the range in price among insurers. The results, listed below, indicate a large variation in pricing. 
  • Quotes for AIA, Southern Cross, Accuro, nib and PartnersLife were supplied by LifeDirect and found to be the same (or cheaper) than going direct to the respective insurer.

Important: Every Policy is Different
  • Health insurance policies aren't easy to compare. For this reason, we are not offering a like-for-like comparison.
  • All insurers offer different cover - some areas come standard, some are optional and others offer other pricing perks.

Example 1: 35-year-old male, healthy, non-smoker

Health Insurer &
​Quote Source
Annual Policy Cost
(No Excess)
Financial Strength Ratings
UniMed 
$1,000.64
A.M. Best Rating: A- (Excellent)
Southern Cross
$1,056.00
S&P Rating: A+ (Strong)
​AA Health Insurance
$1,279.21
S&P Rating: AA- (Very Strong)
​​AIA
$1,448.64
Fitch Rating: AA (Very Strong)
​PartnersLife
$1,679.40
A.M. Best Rating: A-(Excellent)
​Accuro
$​1,857.60
A.M. Best Rating: A- (Excellent)
 nib
 $1,890.42
S&P Rating: A (Strong) 

Example 2: 40-year-old male and female couple, healthy, non-smokers

Health Insurer &
​Quote Source
Annual Policy Cost
(No Excess)
Financial Strength Ratings
UniMed
$2,585.51​
A.M. Best Rating: A- (Excellent)
Southern Cross
$2,652.00
S&P Rating: A+ (Strong)
AIA
$3,456.60
Fitch Rating: AA (Very Strong)
​​AA Health Insurance
$3,177.86
S&P Rating: AA- (Very Strong)
​PartnersLife
$4,012.87​
A.M. Best Rating: A-(Excellent)
Accuro
 ​$4,047.36​
A.M. Best Rating: A- (Excellent)
nib
$4,402.57
S&P Rating: A (Strong) 

Example 3: 65-year-old male, healthy, non-smoker

Health Insurer &
​Quote Source
Annual Policy Cost
(No Excess)
Financial Strength Ratings
Southern Cross
$4,776.00
S&P Rating: A+ (Strong)
​UniMed​
$4,892.24
A.M. Best Rating: A- (Excellent)
​​​AA Health Insurance
$5,842.59
S&P Rating: AA- (Very Strong)
AIA
$6,137.38
Fitch Rating: AA (Very Strong)
​PartnersLife
$6,599.94
A.M. Best Rating: A-(Excellent)
Accuro
$7,091.64
A.M. Best Rating: A- (Excellent)
​​nib
 ​$8,893.85
S&P Rating: A (Strong) 
Our quote data:
  • Quotes presented above are before any Healthy Lifestyle discount, Member Discounts, first-year discounts and multiple insurance policy discounts etc and have been adjusted where necessary.
  • Quotes exclude cashback offers, which are routinely available from select insurers.
  • Annual pricing, paid upfront, generally offers the lowest cost policy. Paying fortnightly or monthly may lead to a higher overall annual cost for the same policy. 
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Claiming on Your Health Insurance

The following process outlines the standard procedure for claiming on your health insurance policy. 

Step 1 – Visit your GP
  • If your GP refers you to a specialist, ask them to provide you with an 'open referral' - this lets your insurer find the appropriate specialist and/or hospital for your treatment.
  • If your GP has recommended a specialist already, ask your insurer if the treatment meets the policy (see below)

Step 2 – Contact your health insurer's claims team
  • Have your policy number (outlined on your policy documents) and details of your condition, including symptoms, dates and diagnosis (if known) and what your GP has told you.
  • All information relating to your referral - including the name of the specialist (if known)

Step 3 - Get a diagnosis, treatment or surgery
  • Your insurer will then assess your situation and confirm whether the treatment is covered. 

Step 4 - Your insurer pays the bills
  • Once you are approved for cover, your medical treatment costs become the responsibility of the insurer (within the limits of your policy)
  • All eligible bills will be paid by the insurer directly to the treatment provider.
  • In instances that you do receive a bill, you will need to send it to your insurer's claim team who will either pay the provider directly or reimburse you if you have already paid it.  

What happens if my health insurance policy doesn't cover my medical treatment?

If your claim is rejected, appeal and complain:
  1. Jump on the phone and explain why your claim meets the T&Cs of the policy you bought.
  2. If they don't agree, you can complain with the Insurance & Financial Services Ombudsman Scheme which resolves disagreements between customers and their insurers.
  3. Their free-of-charge service will make the final decision about your claim and order the insurer to pay out if they find in your favour. 
  4. If your insurer isn't a member, you can complain to Financial Services Complaint Ltd who follow a similar process.
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Health insurers we compared:
  • AIA
  • nib
  • Accuro
  • Southern Cross
  • AA Insurance
  • UniMed
  • PartnersLife

Important: MoneyHub does not compare all providers or policies in the market and not all policies or special offers are available to all customers due to pre-existing conditions or other factors. Some insurers do not provide online quotes, so we cannot include them in our pricing table. If you have specific health needs, we suggest contacting an insurance broker. 

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