Pick your scenario
Most health-insurance comparison shows the same generic table for everyone. Scenarios rank policies on the clauses that actually matter for your life situation.
Each scenario runs 5-ish targeted semantic queries across every clause of every NZ health-insurance policy wording we have, then ranks policies by aggregate fit. Mechanical retrieval, not personalised advice.
Planning a family — pregnancy + IVF cover
Pregnancy, IVF, and maternity benefit comparison across NZ health insurers.
Family history of cancer — non-Pharmac drugs + diagnostics
Oncology cover, non-Pharmac drug benefits, and early-diagnostic access compared across NZ insurers.
ADHD diagnosis and ongoing support
ADHD assessment, psychiatrist cover, and non-Pharmac medication comparison.
Endurance athlete — orthopaedic surgery + rehab
Knee, hip, achilles surgery cover + physio + sports-injury rehab compared.
Returning to NZ after years overseas
Joining an NZ health insurer after time abroad — pre-existing rules + waiting periods.
Chronic conditions — diabetes, cardiac, or autoimmune
Ongoing-condition cover, specialist consultations, and pre-existing rules compared.
Young family with children under 12
Paediatric specialist cover, hospital cover for kids, and ENT/grommets/tonsils waiting periods compared.
Over 50 with existing conditions — joining late
Late-joiner cover, pre-existing rules, and age-loading compared for the over-50 cohort.
Self-employed or contractor — losing income if hospitalised
Day-rate equivalent benefits, faster surgical pathways, and ACC-gap cover for self-employed Kiwis.
Cosmetic and elective surgery — what's actually covered
Cosmetic vs reconstructive distinctions, elective procedure exclusions, and weight-loss surgery cover.
Dental and optical — when add-on benefits make sense
Dental annual limits, optical reimbursement, orthodontics, and value calculation vs paying out of pocket.
Mental health — acute crisis, inpatient stay, and ongoing therapy
Inpatient psychiatric cover, ECT, eating disorder cover, and ongoing psychologist sessions compared.
GP visits, prescriptions, and primary-care cover
GP consultation reimbursement, prescription cover, and primary-care benefit lines compared.
Specialist waiting times — getting seen privately
Specialist consultation cover, second-opinion benefits, and how quickly private cover bypasses public waiting lists.
Surgical-only vs comprehensive — which tier actually fits
The decision framework: when surgical-only is enough, when you need comprehensive cover, and what the upgrade buys.
Palliative and end-of-life cover — what private insurance does (and doesn't)
Palliative care cover, hospice support, and the boundary between health insurance and other end-of-life products.
High income — tax-efficient cover and employer-funded
Employer-funded vs personal, FBT considerations, and benefit-tier choice for high-income earners.
Switching from another NZ health insurer
Continuity of cover, waiting period transfers, and pre-existing exclusion comparison across insurers.
ACC accepted your claim — what does private cover add?
ACC top-up cover, specialist-gap, faster surgical pathway, and robotic surgery when ACC won't fund it.
Immigrant new to NZ — first-ever NZ private health policy
First-time-joiner rules, pre-existing from overseas, and visa-class considerations.
Don't see your scenario?
Run a free-text semantic search across every clause directly — works for any specific treatment, condition, or coverage question.
Try clause search