FMA-licensed adviser · FSP711891 · No fee to you
Compare NZ health insurance — built on every policy wording PDF
Most comparison sites publish made-up prices and "best for X" lists. We don't. Every claim on this site is extracted from the insurer's published policy wording PDF + cited inline.
6
NZ insurers
23
Active products
3,000+
Verified clauses
FSP711891
FMA licence
Data refreshed: 18 May 2026 · Source PDFs cited inline on every product page
Tools you won't find elsewhere
Built on every clause of every NZ health policy wording
Most NZ insurance sites are flashcard-style with fabricated specifics. We built on the actual wordings — so you can ask precise questions and get precise answers.
60-second quick-pick
Find my policy
Tell us your situation. We match you to the policies whose clauses actually cover it — no quote required.
Semantic search
Clause search
Search 3,000+ verified clauses. Try "robotic prostate surgery", "ADHD support", or "non-Pharmac cancer drugs".
20 lived scenarios
Scenario comparisons
"Young family with kids", "self-employed contractor", "over-50 with pre-existing" — ranked by semantic match to your situation.
Provider directory
NZ health insurers at a glance
Accuro
6 active products · RBNZ N/A — licence cancelled 31 May 2024
KidSmart, SmartCare, SmartCare+
Full review →
Southern Cross
6 active products · RBNZ A+
KiwiCare, RegularCare, UltraCare
Full review →
UniMed
4 active products · RBNZ A
Health Positive, Hospital Select, ParentStay
Full review →
AA Health
3 active products · RBNZ AA-
AA Health Everyday Cover, AA Private Hospital Cover, AA Private Hospital + Specialist Cover
Full review →
nib
3 active products · RBNZ A
Easy Health, Ultimate Health, Ultimate Health Max
Full review →
AIA
1 active product · RBNZ AA
AIA Private Health
Full review →
ASB Health
0 active products · RBNZ See AIA New Zealand Limited
Partners Life
0 active products · RBNZ A
Click any insurer for the full review pulled from their current policy wording PDF.
How this site works
From policy PDF to your screen, every step is verifiable
Ingest the PDF
We download each insurer's current published policy wording PDF + hash it for change detection.
Extract facts
Pharmac rules, ACC interaction, mental health, exclusions, sublimits, waiting periods — pulled into structured JSON, citing the source page.
Cross-compare
Same facts side-by-side across every insurer. No fabricated rankings. Just the verifiable data.
You decide
Take the quiz, get quotes, or talk to our FMA-licensed adviser. We earn commission from insurers only if you buy.
Ready to find your policy?
Take the 60-second quick-pick to see which active products match your situation, or jump straight to personalised quotes.
No cost to you · FSP711891 · We earn commission from insurers if you proceed