Skip to main content

Health insurance · New Zealand · 2026

Compare health insurance plans from every major NZ insurer

Side-by-side comparisons of policy wordings, premiums, and benefits from Southern Cross, nib, AIA, Partners Life, Accuro, UniMed and more.

FMA-licensed adviser · FSP711891 · No fee to you

8

NZ insurers compared

47+

Plans across providers

72

Guides & comparisons

FSP711891

FMA-licensed adviser

Providers covered

Southern CrossnibAIAPartners LifeAccuroUniMed

Provider directory

NZ health insurers at a glance

Southern CrossSouthern Cross
  • NZ's largest health insurer
  • Wellbeing One & Wellbeing Starter plans
  • Comprehensive provider network
nibnib
  • Easy Health & Ultimate Health plans
  • Digital-first claims
  • Flexible coverage options
AIAAIA
  • AIA Vitality wellness program
  • Health + Life insurance bundles
  • Rewards for healthy living
Partners LifePartners Life
  • Simple application process
  • Fixed premium options
  • Comprehensive medical cover
AccuroAccuro
  • Specialises in over-50s cover
  • No medical tests for some plans
  • Guaranteed acceptance options
UniMedUniMed
  • AA member discounts available
  • Range of health insurance options
  • NZ owned and operated

Frequently asked

Common questions about NZ health insurance

What is health insurance?

Health insurance provides financial protection against medical expenses. It helps cover costs for hospital stays, specialist treatments, and other healthcare services not fully covered by the public health system.

How much does health insurance cost in New Zealand?

Health insurance premiums vary significantly based on your age, coverage level, health status, and chosen provider. Costs depend on factors like excess amounts, coverage limits, and specific benefits included. It's best to get personalized quotes to understand actual pricing for your situation.

What's the difference between health insurance and life insurance?

Health insurance covers medical expenses while you're alive, helping with treatment costs. Life insurance provides a lump sum payment to beneficiaries after death to help with financial obligations.

What happens if I stop paying my premiums?

If you stop paying premiums, your coverage will typically be suspended after a grace period (usually 30 days). You may be able to reinstate your policy by paying outstanding premiums, but this varies by provider.

Still have questions? Contact our team

Client reviews

5.0from 29 reviews on Google

"Nevil has been great and really helped me understand the options I had out there across the insurance market as I was a complete novice. You can tell he is really passionate about what he does and about giving back."

Vicky DuncanGoogle review

"Nev is a very thorough, hard worker. He is kind, friendly, and extremely approachable. I feel safe working with Nev, and confident he is taking my best interests as a priority."

Becky LittleGoogle review

"Have been with Evolve for 5 years now to look after all of our insurance needs. Nevil is amazing to deal with and has helped ensure that we have coverage tailored to our needs."

Andrew SmithGoogle review

Ready to find the right cover?

Compare quotes from every major NZ provider in minutes.

FMA-licensed adviser · FSP711891 · No fee to you