Compare Health Insurance NZ | Work It Out
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Compare Health Insurance Quotes

Find the right health cover for you and your family. Compare plans from leading NZ providers and get expert guidance.

  • Compare top NZ health insurers
  • No obligation, completely free
  • Takes about 3-4 minutes
Get personalised quotes in minutes
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We'll send your personalised health insurance comparison within 24 hours.

NZ's Best Insurers

We compare NZ's top insurance companies to find you the best deal.

Insurance Company 1 Asteron Life Fidelity Life Partners Life
Why Compare

Why compare health insurance quotes before you decide

Same cover, different price

Providers rate occupation, health, and age differently. A quick comparison can shave dollars off your monthly premium.

Coverage levels matter

Two 'health insurance' quotes can behave very differently — think GP visits vs hospital only, waiting periods, and exclusions.

Your life changes

New job, family growth, lifestyle change — your cover should adapt with you, not hold you back.

Simple Process

How our NZ health insurance comparison works

Get personalized health insurance recommendations in 4 simple steps

1

Tell us about your health needs

Age, family size, current health status, coverage preferences - GP visits, specialists, or comprehensive care.

2

We compare the market

Our team reviews your details against 15+ health insurers and builds a shortlist tailored to your needs.

3

Your adviser gets in touch

We'll contact you with your curated options, explain waiting periods, and answer questions in plain English.

4

Choose with confidence

We streamline the paperwork and keep you updated through underwriting and policy setup.

Your Benefits

What you get with us

More than just quotes – a complete health insurance experience designed around you

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Curated Shortlist

A handpicked selection of health insurance options from top NZ insurers tailored to your needs.

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Crystal Clear Explanations

No jargon. We break down coverage levels, waiting periods, and exclusions in plain English.

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Best Value Focus

We highlight the best value options based on your health priorities, not just the cheapest price.

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Expert Guidance

Personal advice from licensed health insurance advisers at no extra cost to you.

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Zero Pressure

No obligation, no pushy sales tactics. Go at your own pace and make the right decision for you.

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Free Policy Review

Already have insurance? We'll review your existing policy and identify potential savings.

Success Stories

How we helped real Kiwis

See how our personalized approach saved time, money, and stress for families across New Zealand

"

Needed surgery for a sports injury. Private health insurance meant I got treatment within 2 weeks instead of waiting 6 months publicly.

Sarah
Sarah Mitchell
32, Teacher from Auckland
★★★★★
"

Basic family cover gives us peace of mind. When our daughter needed emergency treatment, we had choice of specialist and timing.

Mike
Mike & Emma Chen
Young Family from Wellington
★★★★★
"

Comprehensive cover includes dental and optical. Saves me $2000+ annually on regular health expenses.

David
David Thompson
55, Self-employed from Christchurch
★★★★★

Ready to protect your health?

Get personalized insurance quotes and expert guidance. Start your journey to better coverage today.

Health Insurance FAQs

Most policies cover private hospital treatment, surgeries, specialists, diagnostic tests, and cancer treatment. Some also include GP visits, prescriptions, dental, and optical. We'll help you find the right coverage for your needs.
Premiums depend on your age, health, and the level of cover you choose. Most Kiwis pay between $50 to $200 per month. We'll compare options so you can find something that fits your budget.
Yes, 100% free. We're paid by insurers when you choose a plan - you pay the same premium whether you come through us or go direct. No hidden fees, no obligations.
In many cases, yes. Conditions may be excluded or have waiting periods, but each insurer has different rules. We'll help you find options that work for your situation.
Waiting periods are the time before you can claim for certain treatments. Accidents are usually covered straight away. Pre-existing conditions often have longer waits. We'll show you how each insurer compares.
Hospital cover pays for private hospital treatment and surgery. Everyday cover helps with regular costs like GP visits, prescriptions, and dental. Many people start with hospital cover and add everyday later.
The public system covers emergencies well, but wait times for non-urgent treatment can be long. Private insurance gives you faster access, more choice of specialists, and treatment on your schedule.
Most insurers let you claim online or through their app. You'll usually need a referral from your GP and any invoices. Many providers also offer pre-approval so you know you're covered before treatment.
Most policies have a cooling-off period, typically 14 to 30 days, where you can cancel and get a full refund if it's not right for you. No pressure, no hassle.

Compliance

This page provides general information only and does not take into account your objectives, financial situation, or needs. Consider seeking advice from a licensed financial adviser and reading the relevant policy documents before making decisions. Quotes are indicative and subject to underwriting and eligibility.