Health Insurance for Foreigners in New Zealand: Complete Guide 2025
Key Takeaway: Foreigners can get private health insurance in New Zealand, but eligibility and pricing vary by visa status. Most major providers offer coverage for non-residents, with premiums typically 10-30% higher than resident rates.
Can Foreigners Get Health Insurance in New Zealand?
Need health insurance as a foreigner in NZ? Visit our dedicated foreigners health insurance page to compare plans designed for expats, migrants, and non-residents.
Yes, foreigners living in New Zealand can absolutely get private health insurance. However, your eligibility, coverage options, and pricing will depend on several factors including your visa status, length of stay, and the insurance provider you choose.
While New Zealand provides free or heavily subsidized healthcare through the public system for residents and some visa holders, many foreigners opt for private health insurance to:
- Avoid long waiting times for non-emergency procedures
- Access private hospitals and specialists
- Get coverage for services not fully covered by the public system
- Have peace of mind about unexpected medical costs
Eligibility by Visa Status
Work Visa Holders
✓ Generally Eligible
- • Work visa valid for 2+ years
- • Essential Skills work visa
- • Working Holiday visa
- • Post-study work visa
Requirements
- • Valid NZ address
- • Bank account (some providers)
- • Medical declaration
Student Visa Holders
✓ Usually Eligible
- • Student visa for 6+ months
- • Enrolled in approved institution
- • Some providers offer student-specific plans
âš Considerations
- • May require student insurance first
- • Limited coverage options
- • Higher premiums for short-term cover
Best Health Insurance Providers for Foreigners
Southern Cross Health Society
Pros for Foreigners:
- ✓ Accepts most visa types
- ✓ Largest provider network
- ✓ No residency requirement for some plans
Considerations:
- • Higher premiums for non-residents
- • Some plans require 2+ year visa
nib Health Insurance
Pros for Foreigners:
- ✓ Competitive rates for non-residents
- ✓ Flexible visa requirements
- ✓ Online application process
Best for:
- • Work visa holders
- • Young professionals
Costs and Pricing for Non-Residents
Health insurance premiums for foreigners in New Zealand are typically 10-30% higher than resident rates. Here's what you can expect to pay:
Typical Monthly Premiums for Foreigners
Application Process for Foreigners
Step-by-Step Application Process
- 1Gather Required Documents:
- • Valid passport and visa
- • NZ address proof
- • Medical history (if required)
- 2Compare Providers: Use our comparison tool to find the best rates and coverage for your visa status
- 3Submit Application: Most providers offer online applications with instant quotes
- 4Await Approval: Processing typically takes 1-7 business days for standard applications
Tips for Getting the Best Deal
Ready to Find Health Insurance?
Compare health insurance plans specifically available to foreigners in New Zealand. Get quotes from multiple providers and find the best coverage for your situation.
Compare Plans Now