Terms of Use

Introduction

Welcome to Health Insurance Comparison NZ. This website (healthinsurancecomparison.co.nz) is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority, trading as Evolve. By accessing or using our website, you agree to these Terms of Use. If you do not agree with any part of these terms, please do not use our service.

We may update these Terms of Use at any time. The latest version will always be available on this page.

What We Do

Health Insurance Comparison NZ is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This site provides general information and comparison tools to help users find and compare health insurance options. Personalised financial advice is provided by Evolve Group Limited's licensed advisers.

Evolve Group Limited works with the following insurance providers for personal and health insurance: Partners Life, AIA, Fidelity Life, Asteron, and Nib Medical. All enquiries through this site are handled by Evolve Group Limited. Evolve provides all recommendations in writing.

By using our service, you understand that insurance products are issued by the relevant insurance providers and that Evolve Group Limited acts as your financial adviser, not the insurer.

Financial Advice Disclosure

The general content on this website is for informational purposes only and does not constitute personalised financial advice. Personalised financial advice is provided by Evolve Group Limited's licensed advisers, who are regulated under the Financial Markets Conduct Act 2013.

When you submit an enquiry through this site, you will be contacted by Evolve Group Limited (FSP711891), who will provide you with personalised advice tailored to your individual circumstances. Evolve provides all recommendations in writing.

Commission Disclosure

Evolve Group Limited may receive commission from insurance providers when you take out a policy. In the interests of transparency:

• Personal insurance commission: 0% to 220% of the first year's premium
• Servicing commission: 0% to 30% ongoing
• Evolve does not receive volume-based or sales target-based payments from insurance providers
• Evolve provides all recommendations in writing

Full commission details will be disclosed to you before you proceed with any insurance product. You are entitled to request further information about commissions at any time.

Use of the Service

By using this website, you agree that:

• All information you provide is accurate and up to date
• You are at least 18 years old
• You understand your data may be shared with relevant providers or brokers to deliver the quote service
• You will not use this site for unlawful purposes or interfere with its operation

Third-Party Provider Relationships

We work with licensed New Zealand health insurance providers and financial service providers who are registered on the FSP Register and comply with relevant legislation including the Insurance (Prudential Supervision) Act 2010 and Financial Markets Conduct Act 2013.

We do not guarantee the accuracy, availability, or suitability of any quote, product, or service provided by third parties. Any contractual relationship is solely between you and the relevant licensed provider.

We are not responsible for:

• The terms, conditions, pricing, or availability of insurance products
• The conduct, performance, or solvency of insurance providers
• Claims handling, disputes, or customer service issues with providers
• Changes to products or pricing after quotes are provided

Privacy

We take your privacy seriously. By using our service, you agree to our Privacy Policy, which outlines how your data is collected, shared, and protected.

Limitation of Liability

To the fullest extent permitted by New Zealand law, including the Consumer Guarantees Act 1993 and Fair Trading Act 1986, Health Insurance Comparison NZ, its owners, employees, and affiliates limit liability for:

• Any loss or damage resulting from use of this site or reliance on its content
• Any issues, disputes, or claims with third-party providers
• Website interruptions, errors, or technical problems
• Inaccuracy, incompleteness, or currency of information
• Loss of profits, data, or other consequential damages

Nothing in these terms excludes or limits liability for:

• Death or personal injury caused by negligence
• Fraudulent misrepresentation
• Breaches that cannot be excluded under New Zealand law

Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of New Zealand. Any disputes will be subject to the exclusive jurisdiction of the New Zealand courts.

If you have a complaint about the service provided by Evolve Group Limited, please contact us first. If we cannot resolve your complaint, you can contact our dispute resolution scheme:

You may also contact:

• Financial Markets Authority (licensed provider issues)
• Commerce Commission (Fair Trading Act matters)

Contact

If you have any questions about these Terms of Use, please contact: