Compare Health Insurance Quotes - Work It Out NZ

Compare Health Insurance Quotes

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

  • Compare top NZ health insurers
  • No obligation, completely free
  • Takes about 3-4 minutes

Do you currently have medical insurance?

Let us know if you're currently covered.

Yes
No

Who is the cover for?

Select who needs health coverage.

Myself
Myself & Partner
My Family
Someone Else

Do you smoke?

This helps us find the best rates for you.

Yes
No

What is your gender?

This affects premium calculations.

Male
Female

How old are you?

Enter your current age.

Enter age between 18-85

Continue

Do you have any medical conditions?

This won't necessarily affect your eligibility.

Yes
No

Do any of these apply to you?

Select all that apply.

Diabetics
Heart Diseases
Skin Cancer
Asthma
Continue

How can we send your quote?

Please provide your contact information.

Verify your phone number

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Thank You!

Your health insurance quote request has been submitted.

One of our specialists will contact you shortly.

Why compare health insurance quotes

Coverage varies widely

GP visits, specialists, dental, optical - different policies cover different things. Compare to find what you need.

Save on premiums

Providers rate health risks differently. A quick comparison can save you hundreds per year.

Waiting periods differ

Some policies have shorter waits for existing conditions. Find one that works for your situation.

Why the cheapest isn't always the best deal

Coverage gaps

Basic policies might exclude GP visits, specialists, or dental care - services you use regularly.

Long waiting periods

Cheap policies often have 12+ month waits for pre-existing conditions - when you need cover most.

Annual limits

Low-cost plans may cap your yearly benefits, leaving you exposed for major treatments.

How it works

1

Answer a few questions

Tell us about your health needs in under 4 minutes.

2

Compare quotes

We'll show you options from leading NZ health insurers.

3

Get expert advice

Our specialists help you understand your options.

4

Choose your cover

Pick the plan that's right for you - no obligation.

What our customers say

★★★★★

"Found comprehensive cover at a better price than my old policy. The comparison was eye-opening!"

AW
Anna W.
HR Manager, Auckland
★★★★★

"The team helped me understand what I actually needed. No pressure, just helpful advice."

RK
Rob K.
Accountant, Wellington
★★★★★

"Finally got health insurance that covers my whole family properly. Wish I'd compared sooner!"

SP
Sarah P.
Mother of 3, Christchurch

Frequently Asked Questions

Health insurance typically covers private hospital treatment, specialist consultations, GP visits, prescriptions, and often extras like dental and optical. Coverage varies by policy.
Most policies have waiting periods for pre-existing conditions, but coverage varies. Some providers offer better terms than others - that's why comparing is important.
Yes, our comparison service is completely free with no obligation. We're here to help you find the right cover for your needs.
Once you choose a policy, cover usually starts within days. Some benefits may have waiting periods, especially for pre-existing conditions.

Ready to find the right health cover?

Compare quotes from leading NZ health insurers in under 4 minutes. No obligation, completely free.

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