Health Insurance Broker

Getting your Health insurance right can be difficult. Don’t leave it all up to chance with online quotes and guesswork.

WE MAKE IT EASY by having a specialist Private Health Insurance broker contact you to work out your options correctly.

The 100% fast, simple and affordable way to request your Medical insurance adviser quoting call-back online.

NZ-Health-insurance-companies
 UPDATED: 01 June 2021

Private Health Insurance Broker call-back service – because it’s too important to get it right first time. We’re making it easier  for everyday Kiwis to be connected to a top rated registered Health Insurance Adviser.

Don’t leave yourself and family at risk by guesswork and generic online Health Insurance quoting. Instead choose the fast, simple & affordable option by engaging a specialist Medical Insurance broker to give you confidence with your correct insurance options.

WHO DOES THIS CALL-BACK SERVICE SUIT ?

Kiwi’s who understand that not all private Health insurance is created equal and want the confidence that only comes from getting professional private Health insurance advice.

 

We look forward to helping you!

WHO DOES THIS SERVICE NOT SUIT ?

People who are chasing the absolute cheapest Health insurance possible at any cost, are DIY focused and feel that they have the expertise to not require professional Health insurance advice.

 

Sorry, we wouldn’t be able to help with your request.

WHY DO KIWIS REQUEST A HEALTH INSURANCE BROKER CALL-BACK HERE INSTEAD ?

 

              • in less than 1min – it’s the quick and easy way to request a call-back from a specialist health insurance adviser.
              • don’t settle for less, get your Health insurance sorted more confidently via a registered Medical insurance broker
              • because getting good value for money on your Health insurance is just as important as getting the correct insurance
              • it’s a 100% free quoting call-back service for you to request here
              • adviser call-backs are usually able to be made the same or next work day 
WHY DO KIWIS REQUEST A HEALTH INSURANCE BROKER CALL-BACK HERE INSTEAD ?

 

  • in less than 1min – it’s the quick and easy way to request a call-back from a specialist health insurance adviser.
  • don’t settle for less, get your Health insurance sorted more confidently via a registered Medical insurance broker
  • because getting good value for money on your Health insurance is just as important as getting the correct insurance
  • it’s a 100% free quoting call-back service for you to request here
  • adviser call-backs are usually able to be made the same or next work day
READY TO GET YOUR HEALTH INSURANCE BROKER CALL-BACK REQUESTED ?

You’re only a couple quick clicks away from getting your Private Health Insurance recommendations and advice requested: 

 

        1. make your Health insurance advice request here
        2. we’ll then arrange for an specialist Health insurance adviser  to contact you, work through your best options and provide recommendations, usually the same standard work day.

 

​This is a 100% free service for you – if you choose to accept the recommendations prepared by your Health insurance broker requested through this website, the adviser pays us a small fee for the convenience of connecting them to you. This small fee does not change in any way the price you would be paying through them either-way.

READY TO GET YOUR HEALTH INSURANCE BROKER CALL-BACK REQUESTED ?

You’re only a couple quick clicks away from getting your Private Health Insurance recommendations and advice requested: 

 

    1. make your Health insurance advice request here
    2. we’ll then arrange for an specialist Health insurance adviser  to contact you, work through your best options and provide recommendations, usually the same standard work day.

 

​This is a 100% free service for you – if you choose to accept the recommendations prepared by your Health insurance broker requested through this website, the adviser pays us a small fee for the convenience of connecting them to you. This small fee does not change in any way the price you would be paying through them either-way.

Having 100% confidence that your Private Health Insurance is sorted correctly by a specialist Health Insurance adviser means you can get on with life without doubt and uncertainty.
NZ-Health-insurance-companies

 WE’RE HELPING KIWI’S SAVE TIME AND

MONEY ON GETTING THE CORRECT HEALTH INSURANCE

HEALTH INSURANCE BROKER NEW ZEALAND

MOST COMMONLY ASKED QUESTIONS

Should I get Health insurance through a broker ?

Of course, what possible reason is there not to?  In New Zealand Private Health insurance can generally be taken out in 2 key ways:

(1) Do It Yourself ‘ers (DIY) – for people comfortable making their own calculations on how much is required correctly, have researched and know the crucial differences between the different Health insurance companies, their policies details and terms. Usually we find people in this category base their decision mostly on whoever has the lowest price. Price is always an important factor but like most things in life, you typically get what you pay for and the cheapest isn’t always the smartest option when it comes to insurance. What we feel makes most sense is firstly getting free and independent advice from a registered Health insurance Adviser on what makes most sense for your particular situation.

 

(2) Independent Health Insurance Advisers – most Health insurance advisers in NZ work with all the major Health insurance companies, but importantly they are not employed by those Health insurance companies. This means they able to be objective when working with clients to determine which company will be the best fit for their individual situation. Typically after an adviser has calculated what the correct amount and type of cover is required, they will then be able to compare what that will cost via the different Health insurance companies in NZ. Ultimately this will lead to them being able to provide recommendations as to what your best options are and which makes most sense, with the reasons why.

What is the best Health insurance in NZ ?

Health insurance companies in New Zealand are listed below with their Canstar and Consumer ratings for customer satisfaction (source, Canstar NZ, Consumer.org.nz)

Health Insurance Provider Rating (Canstar NZ overall customer satisfaction) Consumer NZ customer satisfaction survey 2020
UniMed

5 star

Above average

Southern Cross Health Society

4 star

Above average

nib

4 star

Below average

AA Health

4 star

Not reviewed

Sovereign

3 star

Not reviewed

Accuro

Not reviewed

Above average

 

However, every person’s situation is unique, and the best health insurance provider for you will come down to a number of factors including policy type, exclusions and cost. We can connect you with a broker to discuss your best options for insurance provider.

Is it worth having health insurance in NZ ?

Do I need health insurance?  We have all heard stories of long waits for treatment in the public health system, life-saving drugs that aren’t funded and so on. Health Insurance can offer benefits over the New Zealand public health system including

  • Avoiding the queue for non-urgent medical procedures
  • Faster private medical care can improve your quality of life
  • Higher hospitalisation standard
  • Your choice of specialist. Trust in your chosen medical professional can improve your patient outcome.
  • Options for dental or optician expense cover

Peace of mind for the health of yourself and your family

What are the types of health insurance ?

Each insurance company packages and brands their policies slightly differently.

  • There are policy types available for insuring individuals, yourself and your partner, or your whole family.
  • Basic or starter plan health insurance policies are available for a cheaper price but cover a more limited range of medical procedures, costs and medications. For example Southern Cross Wellbeing Starter or nib Standard Everyday cover.
  • Comprehensive plans policies that cover a broader range of surgeries, hospitalisation drugs and treatment options. For example Southern Cross UltraCare or nib Premium Hospital and Premium Everyday
  • Some health insurance companies have special add on cancer treatment policies, and some have the option of additional cover for non-Pharmac funded drugs.
  • There is the option to add in dental cover and optical cover with most health insurance plans.
  • Some policies cover full medical fee payments or rebates, and some offer a percentage rebate of your medical costs.

 

It can be confusing and time consuming to directly compare and sort through the policy options from health insurance companies. We can connect you with a broker to discuss the best plan for you and your family.

How much is health insurance in New Zealand ?

The cost of health insurance is hugely variable. The premiums for health insurance can range from as little as $9.85 per week for a basic plan (for a young healthy individual) to around $200 per week for a comprehensive plan (such as for an elderly smoker).

The cost of health insurance will typically be cheaper if you

  • Take out basic cover policy
  • Are younger in age
  • Have no or few pre-existing health conditions
  • Have no or little family history of certain illnesses
  • Live a healthy lifestyle (eg non-smoker)

The cost of health insurance will typically be more expensive if you

  • Take out comprehensive policy health insurance
  • Are older in age
  • Have pre-existing health conditions
  • Have a family history of certain illnesses
  • Are a smoker or consume high levels of alcohol
  • Choose added dental and optical cover

You may be eligible for discounts on your health insurance premium when ensuring your whole family, or yourself and your partner, with the same health insurance provider. In addition, some employers may offer discounts with certain health insurance companies.

How much does it cost to use this Health insurance adviser call-back service?

All our NZ Health insurance broker  quoting call-back services are all provided at 100% zero cost to you.
If the insurance adviser you eventually choose to take your cover out with was requested through this website, the adviser pays us a small fee for the convenience of connecting them to you. The small fee they pay us does not change in any way the price you would be paying with the adviser either-way.

What can I expect once I have clicked the 'Get Quotes Now" button and requested the Health insurance broker call-back?

Once you’ve let us know the basic details of your health insurance enquiry(this takes less than 1min), we’ll then send your request to a highly rated Health insurance adviser that specialises in Health insurance advice. They will then make contact with you and start working on understanding your situation and requirements.

During standard work days the registered Health insurance broker can normally provide your call-back on the same or next day of your request.

You’re only 3 clicks away from requesting your Health insurance broker call-back.