Compare health insurance plans that welcome seniors. Find affordable coverage with no upper age limits from trusted NZ providers.
Best health insurance for seniors over 65: Southern Cross (no age limit, $120-200/month), Accuro (accepts up to age 75, $100-180/month), and nib (accepts up to 75, $110-190/month). Most providers increase premiums significantly after 65, but Southern Cross offers the most flexible options with no upper age limit. Expect to pay 40-60% more than someone in their 40s for similar coverage. Focus on plans with good hospital cover, cardiac care, and cancer treatment.
Many NZ insurers stop accepting new members after age 70-75. If you don't have health insurance before 65, your options become limited and expensive. This guide focuses on providers that still accept seniors and what coverage you can realistically get.
| Provider | Max Entry Age | Est. Cost Age 65-70 | Est. Cost Age 70+ | Key Features |
|---|---|---|---|---|
| Southern Cross | No Limit | $120-200/mo | $150-250/mo | Widest network, comprehensive cover |
| Accuro | 75 years | $100-180/mo | $130-220/mo | Good value, solid cover |
| nib | 75 years | $110-190/mo | $140-230/mo | Fast claims, wellness benefits |
| AIA | 70 years | $105-175/mo | N/A | Good until 70 only |
| Partners Life | 75 years | $85-150/mo | $115-190/mo | Budget option, basic cover |
*Prices are estimates based on average health status. Premiums increase with age and health conditions.
Priority #1: Ensure comprehensive hospital cover for surgeries, hip/knee replacements, and cardiac procedures. Aim for at least $500k coverage.
Look for plans with strong cardiac and cancer coverage ($100k+ each). These are the most common serious health issues for seniors.
Ensure the plan covers specialists without restrictions - orthopedics, cardiology, oncology are essential.
Understand what's covered. Most plans exclude pre-existing conditions or have 12+ month waiting periods.
Premiums jump 40-60% after 65. If you can, sign up in your late 50s/early 60s to lock in better rates.
A $1,000-2,000 excess can reduce premiums by 20-30%. Good if you have savings to cover upfront costs.
Focus on hospital cover only. Dental/optical extras can be paid out-of-pocket to save $30-50/month.
Some providers offer SuperGold Card discounts or partner benefits. Ask when getting quotes.
Compare plans from providers that welcome seniors. Get personalized quotes based on your age and health.
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