Health Insurance for Nurses NZ
There are no NZ retail health insurance products designed specifically for nurses. Many DHB / Te Whatu Ora employees access employer or NZNO group schemes — check those first. Below is the retail policy set if you're buying privately.
Key considerations
- › NZNO and many DHBs offer group health insurance schemes with different terms to retail — investigate those first.
- › Mental health cover varies substantially across retail policies — relevant given workplace burnout risk.
- › Locum and casual nurses without employer schemes can compare retail policies below.
Active retail products
These are the 20 active retail health insurance products available in NZ — the same set that applies regardless of profession or audience.
Easy Health
Wording effective 2024-09-20
- surgical benefit $300,000
- non surgical benefit $200,000
- gp surgery $1,500
Health Positive
Wording effective 2025-08-01
- specialist consultation $5,000
- podiatry $600
- osteopath $600
Hospital Select
Wording effective 2025-08-01
- home nursing per day $150
- module g gp per visit $65
- post operative therapy $1,500
KidSmart
Wording effective 2026-05-16
- oral surgery $300,000
- mental health $1,000
- general surgery $500,000
KiwiCare
Wording effective 2026-04-01
- chemotherapy base $48,000
- chemotherapy 100 upgrade $100,000
- specialist consultation $4,000
ParentStay
Wording effective 2025-10-01
- cancer care $100,000
- mental health $1,000
- return of remains $50,000
AIA Private Health
Wording effective 2026-05-16
- minor surgery $3,000
- translation costs $500
- ambulance transfer $200
RegularCare
Wording effective 2026-04-01
- chemotherapy base $48,000
- chemotherapy 100 upgrade $100,000
- specialist consultation $4,000
SmartCare
Wording effective 2026-05-16
- specialist consultation $5,000
- gp visit $55
- home nursing $6,000
SmartCare+
Wording effective 2026-05-16
- specialist consultation $5,000
- gp visit $55
- dental cover $500
SmartStay
Wording effective 2026-05-16
- oral surgery $150,000
- general surgery $150,000
- ct scans per year $2,500
StaffCare
Wording effective 2026-05-16
- ct scan $2,500
- mri scan $3,000
- pet scan $2,500
StaffCare+
Wording effective 2026-05-16
- gp visit $55
- oral surgery $300,000
- general surgery $300,000
Ultimate Health
Wording effective 2025-11-24
- surgical benefit $600,000
- non surgical benefit $300,000
- dental $500
Ultimate Health Max
Wording effective 2024-02-01
- surgical benefit $600,000
- non surgical benefit $300,000
- foot care max $250
UltraCare
Wording effective 2026-04-01
- chemotherapy base $60,000
- chemotherapy 100 upgrade $100,000
- specialist consultation $10,000
UniCare Advantage
Wording effective 2025-08-01
- specialist consultation $4,000
- psychiatric hospitalisation $3,500
- ambulance $160
Wellbeing Modules
Wording effective 2026-04-01
- physiotherapy $300
- body care podiatry $250
- day to day gp per visit $65
Wellbeing One
Wording effective 2026-04-01
- chemotherapy base $60,000
- chemotherapy 100 upgrade $100,000
- specialist consultation $5,000
Wellbeing Two
Wording effective 2026-04-01
- chemotherapy base $60,000
- chemotherapy 100 upgrade $100,000
- specialist consultation $5,000
Machine-readable API
- Every product:
/api/product/{insurer}/{product}/facts.json - Topic comparisons:
/api/topic/{slug}/summary.md - Anonymous MCP:
POST /mcp
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