Health Insurance Quotes NZ
Compare free, no-obligation health insurance quotes from a panel of New Zealand insurers in one place.
How our health insurance quotes work
Tell us about the people you want to cover and the type of plan you are after. We route your enquiry to qualified New Zealand advisers who request quotes from a panel of major health insurers. You get a comparison of premiums, hospital and specialist benefits, excess options and any waiting periods.
The service is free to use and there is no obligation to take out a policy after you see the quotes.
What you need to provide
- The ages of everyone to be covered (you, partner, children)
- Whether you smoke and any pre-existing medical conditions
- Cover type you are interested in (hospital and surgical, specialist, everyday or comprehensive)
- Preferred excess and any add-ons such as dental or optical
- Contact details so an adviser can confirm the quote with you
Why use MoneyGuru
Health insurance policies vary widely on what they pay for and when. MoneyGuru connects you with licensed advisers who can translate the small print into plain English, so you understand exactly what is and is not covered before you sign anything.
There is no consumer fee and you stay in control of whether to proceed.
Common questions
Will pre-existing conditions affect my quote?
They can. Most insurers either exclude pre-existing conditions or apply a stand-down period. An adviser will explain how each policy treats your situation before you commit.
Can I cover my whole family on one policy?
Yes. Most New Zealand health insurers offer family policies that cover partners and dependent children, often at a discount compared with separate policies.
Do I have to switch from my current insurer?
No. You can compare quotes purely for information. If you do choose to switch, an adviser can help you transfer cover without losing benefits you have already qualified for.