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Health Insurance for Foreigners in New Zealand: Complete Guide 2026

January 28, 2026
8 min read

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

⚠ 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

$35-60
Basic Hospital Cover
$80-150
Comprehensive Cover
$120-250
Premium Plans

Application Process for Foreigners

Step-by-Step Application Process

  1. 1
    Gather Required Documents:
    • • Valid passport and visa
    • • NZ address proof
    • • Medical history (if required)
  2. 2
    Compare Providers: Use our comparison tool to find the best rates and coverage for your visa status
  3. 3
    Submit Application: Most providers offer online applications with instant quotes
  4. 4
    Await Approval: Processing typically takes 1-7 business days for standard applications

Tips for Getting the Best Deal

Compare Multiple Providers: Rates can vary significantly between insurers
Consider Your Visa Length: Longer visas often qualify for better rates
Look for Discounts: Some providers offer online application discounts
Start Early: Apply before your current coverage expires to avoid gaps
Read the Fine Print: Understand waiting periods and exclusions
Ask About Extensions: Some policies can continue if you renew your visa

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