Health Insurance Cost Calculator

Calculate your estimated health insurance costs in New Zealand. Get personalized premium estimates instantly.

Calculate Your Premium

Factors Affecting Your Premium

Age (premiums increase with age)
Smoking status (30%+ increase for smokers)
Coverage level (basic vs comprehensive)
Annual excess (higher excess = lower premiums)
Number of dependents

Ways to Save on Premiums

Choose a higher annual excess to reduce monthly premiums
Pay annually instead of monthly for discounts
Maintain a healthy lifestyle (some insurers offer wellness discounts)
Compare multiple providers for the best rates

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