Planning a family — pregnancy + IVF cover
Pregnancy, IVF, and maternity benefit comparison across NZ health insurers.
You are considering family planning in the next 1–3 years and want a policy that meaningfully covers IVF or assisted reproduction, pregnancy-related specialist care, and post-natal complications. Many NZ health policies materially limit or exclude maternity and IVF, so the difference between policies is large.
Top policies for this scenario
Ranked by aggregate semantic match across 5 scenario-specific queries. Score reflects clause-level fit, not premium. We don't know what you'd pay — get a quote for the shortlist.
- score 2.03
#1 · Southern Cross
UltraCare
Show matched clauses (5)
Query: "IVF assisted reproduction cover and limits" · similarity 59% · weight 1
C – What the UltraCare plans don't cover > Healthcare services that we don't cover > Infertility or assisted reproduction
We don't cover any costs related to infertility or assisted reproduction.
Source PDF →Query: "pregnancy specialist consultation cover" · similarity 59% · weight 0.9
C – What the UltraCare plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' on page 23 - the 'Day-to-day treatment' benefit for prescriptions or physiotherapy on page 27.
Source PDF →Query: "waiting period for pregnancy cover" · similarity 57% · weight 0.6
C – What the UltraCare plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' on page 23 - the 'Day-to-day treatment' benefit for prescriptions or physiotherapy on page 27.
Source PDF →Query: "maternity complications hospitalisation" · similarity 46% · weight 0.7
C – What the UltraCare plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' on page 23 - the 'Day-to-day treatment' benefit for prescriptions or physiotherapy on page 27.
Source PDF →Query: "newborn infant cover from birth" · similarity 41% · weight 0.6
C – What the UltraCare plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' on page 23 - the 'Day-to-day treatment' benefit for prescriptions or physiotherapy on page 27.
Source PDF → - score 2.03
#2 · Southern Cross
Wellbeing Two
Show matched clauses (5)
Query: "IVF assisted reproduction cover and limits" · similarity 62% · weight 1
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Infertility or assisted reproduction
We don't cover any costs related to infertility or assisted reproduction. ---
Source PDF →Query: "pregnancy specialist consultation cover" · similarity 59% · weight 0.9
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' if you have the Wellbeing Two plan (page 27) - the 'Keeping Well Module' for prescriptions if you have this module (page 31) - the 'Day-to-day Module' for prescriptions or physiotherapy if you have this module (page 33). ---
Source PDF →Query: "waiting period for pregnancy cover" · similarity 57% · weight 0.6
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' if you have the Wellbeing Two plan (page 27) - the 'Keeping Well Module' for prescriptions if you have this module (page 31) - the 'Day-to-day Module' for prescriptions or physiotherapy if you have this module (page 33). ---
Source PDF →Query: "maternity complications hospitalisation" · similarity 44% · weight 0.7
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' if you have the Wellbeing Two plan (page 27) - the 'Keeping Well Module' for prescriptions if you have this module (page 31) - the 'Day-to-day Module' for prescriptions or physiotherapy if you have this module (page 33). ---
Source PDF →Query: "newborn infant cover from birth" · similarity 39% · weight 0.6
Section C: What the Wellbeing plans don't cover > Conditions that we don't cover > Congenital conditions
We don't cover any costs related to, or incurred as a consequence of, any congenital conditions except for umbilical hernia, inguinal hernia, undescended testes, hydrocele, tongue tie, phimosis, and squint. ---
Source PDF → - score 2.00
#3 · nib
Ultimate Health
Watch out for
- Many policies exclude IVF entirely; others cap reimbursement at a low per-cycle limit. Check the actual clause text in the result.
Show matched clauses (5)
Query: "IVF assisted reproduction cover and limits" · similarity 59% · weight 1
02. Your Base Cover > I've been referred for tests, or to see a health professional for consultation or treatment > High-Risk Pregnancy Benefit > What else do I need to know?
- we don't consider IVF to be a risk factor - to claim on this benefit you'll need a referral from your GP or specialist In addition to any personal or general exclusions that may apply, we also don't cover the following under this benefit: - Caesarean sections - treatment of ectopic pregnancies - any related conditions arising after the end of your pregnancy - pregnancies conceived before your j…
Source PDF →Query: "pregnancy specialist consultation cover" · similarity 58% · weight 0.9
02. Your Base Cover > I've been referred for tests, or to see a health professional for consultation or treatment > High-Risk Pregnancy Benefit > What am I covered for?
We'll pay for treatment by an obstetrician to assess and monitor recognised risk factors with your pregnancy. This might include, for example, gestational diabetes, preeclampsia, and anaemia.
Source PDF →Query: "maternity complications hospitalisation" · similarity 47% · weight 0.7
02. Your Base Cover > I've been referred for tests, or to see a health professional for consultation or treatment > High-Risk Pregnancy Benefit > What am I covered for?
We'll pay for treatment by an obstetrician to assess and monitor recognised risk factors with your pregnancy. This might include, for example, gestational diabetes, preeclampsia, and anaemia.
Source PDF →Query: "waiting period for pregnancy cover" · similarity 53% · weight 0.6
02. Your Base Cover > I need financial support > Loyalty – Suspending your Cover Benefit > What am I covered for?
You can apply to put your policy or cover on hold for an insured person due to any of the following: - unemployment/redundancy - overseas travel/residence - parental leave You don't have to pay premiums for any cover that is on hold, and we won't pay any claims for suspended cover during this time.
Source PDF →Query: "newborn infant cover from birth" · similarity 40% · weight 0.6
Contents > 01. How this document works
- Cover Overview
Source PDF → - score 1.99
#4 · Southern Cross
Wellbeing One
Show matched clauses (5)
Query: "IVF assisted reproduction cover and limits" · similarity 59% · weight 1
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Infertility or assisted reproduction
We don't cover any costs related to infertility or assisted reproduction.
Source PDF →Query: "pregnancy specialist consultation cover" · similarity 58% · weight 0.9
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' if you have the Wellbeing Two plan (page 27) - the 'Keeping Well Module' for prescriptions if you have this module (page 31) - the 'Day-to-day Module' for prescriptions or physiotherapy if you have this module (page 33).
Source PDF →Query: "waiting period for pregnancy cover" · similarity 56% · weight 0.6
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' if you have the Wellbeing Two plan (page 27) - the 'Keeping Well Module' for prescriptions if you have this module (page 31) - the 'Day-to-day Module' for prescriptions or physiotherapy if you have this module (page 33).
Source PDF →Query: "maternity complications hospitalisation" · similarity 44% · weight 0.7
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the following: - the 'Obstetrics allowance' if you have the Wellbeing Two plan (page 27) - the 'Keeping Well Module' for prescriptions if you have this module (page 31) - the 'Day-to-day Module' for prescriptions or physiotherapy if you have this module (page 33).
Source PDF →Query: "newborn infant cover from birth" · similarity 39% · weight 0.6
Section C: What the Wellbeing plans don't cover > Conditions that we don't cover > Congenital conditions
We don't cover any costs related to, or incurred as a consequence of, any congenital conditions except for umbilical hernia, inguinal hernia, undescended testes, hydrocele, tongue tie, phimosis, and squint.
Source PDF → - score 1.96
#5 · Southern Cross
RegularCare
Show matched clauses (5)
Query: "IVF assisted reproduction cover and limits" · similarity 59% · weight 1
Section C: What the KiwiCare and the RegularCare plans don't cover > Healthcare services that we don't cover > Infertility or assisted reproduction
We don't cover any costs related to infertility or assisted reproduction.
Source PDF →Query: "pregnancy specialist consultation cover" · similarity 57% · weight 0.9
Section C: What the KiwiCare and the RegularCare plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the 'Day-to-day treatment' benefit for prescriptions and physiotherapy if you have the RegularCare plan (page 27).
Source PDF →Query: "waiting period for pregnancy cover" · similarity 53% · weight 0.6
Section C: What the KiwiCare and the RegularCare plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the 'Day-to-day treatment' benefit for prescriptions and physiotherapy if you have the RegularCare plan (page 27).
Source PDF →Query: "maternity complications hospitalisation" · similarity 43% · weight 0.7
Section C: What the KiwiCare and the RegularCare plans don't cover > Healthcare services that we don't cover > Pregnancy and childbirth
We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the 'Day-to-day treatment' benefit for prescriptions and physiotherapy if you have the RegularCare plan (page 27).
Source PDF →Query: "newborn infant cover from birth" · similarity 39% · weight 0.6
Section C: What the KiwiCare and the RegularCare plans don't cover > Conditions that we don't cover > Congenital conditions
We don't cover any costs related to, or incurred as a consequence of, any congenital conditions except for umbilical hernia, inguinal hernia, undescended testes, hydrocele, tongue tie, phimosis, and squint.
Source PDF →
What to watch out for
- IVF: Many policies exclude IVF entirely; others cap reimbursement at a low per-cycle limit. Check the actual clause text in the result.
- waiting period: Pregnancy-related waiting periods of 10–12 months are common — switch early if planning.
Ready to shortlist a policy for planning a family — pregnancy + ivf cover?
The ranking above is mechanical clause-matching. To get a personalised shortlist with real premium quotes, take the 60-second quick-pick or talk to our FMA-licensed adviser (FSP711891).
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How this ranking works
This scenario translates to 5 semantic queries (weighted). Each query runs against every NZ health insurance policy clause we've ingested (3,000+ clauses across 5 insurers). The best clause-per-product per query contributes its similarity × weight to the product's aggregate score.
Try the underlying semantic clause search to run your own queries.
This is mechanical retrieval + ranking — not personalised financial advice. The actual policy you should buy depends on factors only an FSPR-registered adviser can assess (your medical history, budget, family composition, risk tolerance). Use this to shortlist, then talk to an adviser.