Protect your whole family with comprehensive coverage. Compare plans, prices, and benefits from New Zealand's top insurers.
Best family health insurance in NZ for 2025: Southern Cross Wellbeing Two (best coverage, $250-400/month for 2 adults + 2 kids), nib Essential Health (most affordable, $180-300/month), AIA Essential Health Plus (best value for young families, $200-350/month). Family discounts range from 5-15%. Most plans cover hospital treatment, specialist visits, and offer options for dental and GP visits.
Ensure the plan covers children, adults, and has options for growing families. Look for plans with pediatric coverage and maternity benefits if needed.
Most insurers offer 5-15% discounts for family policies. Some providers also offer free coverage for children under certain ages.
Consider adding extras cover for GP visits, dental, optical, and physiotherapy - especially important with active children.
Choose plans that allow you to adjust coverage as your family grows, with easy addition or removal of family members.
| Provider | Plan | Family Cost/Month | Hospital Cover | Family Discount | Rating |
|---|---|---|---|---|---|
| Southern Cross | Wellbeing Two | $250-400 | $1M+ | 10% | 4.8 |
| nib | Essential Health | $180-300 | $400k | 15% | 4.6 |
| AIA | Essential Health Plus | $200-350 | $350k | 12% | 4.5 |
| Partners Life | Health Insurance | $160-280 | $250k | 10% | 4.4 |
| Accuro | HealthReady | $170-290 | $300k | 8% | 4.3 |
*Prices shown are estimates for a family of 4 (2 adults aged 35-40, 2 children under 18). Actual prices vary based on individual circumstances.
Families seeking the most comprehensive coverage with the largest provider network. Ideal if you want peace of mind and don't mind paying premium prices.
Read full Southern Cross review →Budget-conscious families who still want solid hospital cover. Great for young families with healthy children who need basic but reliable coverage.
Read full nib review →Young families planning to grow. Excellent maternity benefits and pediatric coverage make this ideal for families expecting children or with young kids.
Read full AIA review →Save 5-10% by paying your premium annually instead of monthly.
Choose a higher excess ($500-1000) to reduce monthly premiums by 15-25%.
Lock in lower rates by getting insurance when family members are younger and healthier.
Review and compare plans each year to ensure you're getting the best deal.
Compare family health insurance plans and get instant quotes from New Zealand's top providers.
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