Cheapest Family Health Insurance
Find affordable health insurance for your family in New Zealand. Compare budget plans and save money without compromising coverage.
From $120
Monthly Family Premium
Save 40%
Family vs Individual Plans
Kids Free
Under 18 with Some Plans
Cheapest Family Health Insurance Plans
Wellbeing Starter Family
From $120/monthFamily of 4 estimate
- ✓ $500,000 surgical cover per person
- ✓ $60,000 cancer care per person
- ✓ Basic GP visit coverage
- ✓ Kids under 18 often included
Easy Health Family
From $140/monthFamily of 4 estimate
- ✓ Surgery and cancer treatment
- ✓ Specialist consultations
- ✓ Non-PHARMAC medicines
- ✓ Family-friendly digital services
Private Medical Family
From $160/monthFamily of 4 estimate
- ✓ Private hospital access
- ✓ Quick family appointments
- ✓ Tailored family coverage
- ✓ Add trauma cover options
How to Save Money on Family Health Insurance
Smart Savings Strategies
- Choose higher excess to reduce premiums (kids often exempt)
- Pay annually instead of monthly for 5-10% discounts
- Start with basic plans and upgrade as budget allows
- Take advantage of family plan discounts
Coverage Optimization
- Focus on major medical coverage over minor benefits
- Consider separate plans for different family members if cheaper
- Review and compare plans annually
- Use employer health benefits where available
Family Health Insurance Considerations
Children's Coverage
- • Many plans include children at no extra cost
- • Some insurers offer free coverage for kids under 18
- • Children typically have no excess requirements
- • Pediatric specialists usually covered
Family Benefits
- • Shared annual limits across family members
- • Maternity and pregnancy coverage options
- • Mental health support for all ages
- • Preventive care and vaccinations
Estimate Your Family Costs
Couple + 1 Child
$95-140/month
Basic to comprehensive
Couple + 2 Children
$120-180/month
Most popular family size
Large Family (5+)
$150-250/month
Maximum family benefits
Protect Your Family for Less
Compare the cheapest family health insurance plans and start saving today.