Most Kiwis set up their health cover once and never look at it again. Premiums increase, plans become outdated, and your life moves on. A free health cover review with an independent adviser tells you, in plain English, whether you still have the right health cover, or if it’s time for a change.
It’s worth knowing that not all health cover is the same or equal, an adviser can help you understand how a cover is set up so you’re not left the lurch when it comes to claim time.
And it’s not just your own cover worth a second look, think about your family too. Have you had children since you last reviewed your health insurance, and are they covered? Or have your children grown up meaning you need to look at how their health cover is handled? An adviser can help with you.
Trusted Health Cover Partners To Compare Your Cover Against
Haven't Got Health Cover Yet?
Most Kiwis put this off because they assume it’s expensive and complicated, but the cost depends on your age, your household, the excess you choose and how much cover you want.
A quick call with an adviser will give you real numbers for your actual situation, rather than a guess.
Let an adviser compare the cover from major NZ providers and find the best fit for you.
Making Sure You Have the Right Health Cover in 3 Easy Steps:
Tell us what you want to review
Fill out a quick form to tell us what you'd like reviewed, just your health cover, health and life together, or other cover as well.
Compare your Health Cover against the rest
After a quick chat with an adviser, they’ll compare major NZ providers to find you and your family the best cover for your situation. The adviser will talk you through the cover to make sure you’re happy.
Get the right cover
Be confident that the cover you have is right for you and your current life stage. Your adviser will help with the application process and will keep you informed along the way.
Does Your Health Cover Still Fit?
Health cover is one of those things you sort out once, usually at a moment when something’s prompted it — a new baby, a health scare, or friend’s diagnosis. Then it quietly renews every year while everything around it changes.
Take a look at the list below. If any of them sound like you then it’s probably worth a quick chat with an adviser about your health cover.
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You haven't reviewed your policy in three years or more
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Your premium has gone up and you don't know exactly why
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Your family has changed — a new child, a partner added, kids grown and independent
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You're paying for extras you've never once claimed on
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You've no idea what your excess is, or whether it's the right one
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Your plan is one your insurer no longer sells to new customers
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Your provider has changed the terms on your policy
When Is The Right Time To Review Your Health Cover
A review isn’t a sales pitch with a form attached. It’s a line-by-line look at what you’re paying, what you’re covered for, and whether those two things still make sense together. Four things we check every time:
Are you on a current plan, or has your policy changed?
If your insurer has replaced your plan with a newer version, you may be able to move across to better cover, sometimes without a full re-underwrite. Most people don't know this is an option.
Is your excess doing any work?
Your excess is the single biggest lever on a health insurance premium, and the one people set once and forget. Moving it can change what you pay meaningfully, but only if it suits your actual financial position. We'll model it both ways.
Are you paying for cover you'll never use?
Optional modules such as specialist and diagnostic, dental and optical or GP cover, make sense for some households and are dead weight for others. If you've never claimed on one in five years, that's worth a conversation.
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Kiwis Who Have Reviewed Their Cover
Common Questions About Health Cover Checks
What About Pre-Existing Conditions?
This is the number one reason people stay on cover that no longer suits them — and it’s a fair concern, not a myth. When you apply to a new insurer, conditions you already have are generally reassessed, and they may be excluded or added as an extra cost on top of your cover.
Here’s what most people don’t know: you don’t have to switch to benefit from a review.
In a lot of cases the better outcome is restructuring what you already have with your existing insurer — changing your excess, dropping or adding a module, or moving to that insurer’s current plan. None of that puts your existing conditions at risk.
And where moving insurers is worth exploring, some insurers will consider transferring cover on similar terms. Whether that’s available to you depends on your history, your current plan, and the insurer. It’s exactly the kind of thing an adviser can find out on your behalf — before you commit to anything, and before any application is submitted.
The short version: a review costs you nothing and risks nothing. You only ever move if you decide to do so.
Why Use An Adviser Instead of Comparing Health Cover Yourself?
Comparison tables are good at one thing, and that’s price. Health insurance isn’t won or lost on price — it’s won or lost on the wording, the exclusions, the limits, and how a claim actually gets handled when you’re unwell.
An independent adviser reads the wordings for a living. They know which plans have been superseded and they can ask an underwriter a question about your specific situation before you make a decision — something no comparison table can do.
And when you claim, you’re not on your own. That’s the part people undervalue right up until the moment it matters.
What Does A Health Cover Review Cost?
Nothing. An adviser is paid a commission by the insurer if you take out or change a policy through the adviser. The service is free, all you need is to spend some time talking to an adviser and they’ll do the rest.
Getting insured shouldn’t be so complex
Finding the right health insurance information to compare providers, understand their policies,
and receive personalised quotes should be a breeze and easy to grasp.
Tackling health insurance research by yourself can be overwhelming. Trying to choose the perfect package among countless providers can make your head spin.
GetInsured.co.nz was set up to offer Kiwis an easy solution to connect with their friendly advisers – allowing you to get all the advice on health insurance and personalised quotes you need with no hidden costs and obligations.
Frequently Asked Questions
Find answers to common health insurance questions below. If you can’t find an answer
to your questions, please Contact Us and an expert adviser will reach out.
We charge no fees to you for our service. We receive our compensation from the insurance provider only after we have successfully helped you secure cover that meets your insurance goals.
Having health insurance enables you to access health care treatment without lengthy wait times. Furthermore it can give you access to treatment that is not publically funded and may be unaffordable to pay for without insurance. It also ensures that a significant portion, if not all, of the expenses are covered. Health insurance alleviates concerns about potential future medical costs.
Health insurance offers financial protection in case of unexpected medical expenses. It allows you to access necessary medical care without worrying about the full cost of treatment. Having health insurance also ensures timely access to healthcare services and can improve your overall health outcomes.
Health insurance in New Zealand can cover a portion of your medical expenses that are not covered by the public healthcare system. It may provide faster access to specialist care, elective surgeries, and certain treatments.
The cost of health insurance can vary widely based on factors like your age, the coverage you choose, and any additional benefits. On average, premiums can range from a few hundred to a few thousand New Zealand dollars per year.
Coverage for pre-existing conditions can vary among health insurance plans. Some plans might exclude coverage for pre-existing conditions, while others might offer limited coverage after a waiting period. It’s important to raise this with an advisor if you are wanting certain conditions to be covered.
Comparing health insurance plans involves assessing factors such as coverage, premiums, co-payments, deductibles, and network of healthcare providers. Consulting with insurance experts can help you make informed decisions as they have easy access to detailed information.
Public health cover in New Zealand is provided by the government and offers basic medical care at no direct cost to residents. Private health insurance offers additional benefits and quicker access to specialist care and elective procedures.
Some health insurance plans may cover alternative therapies like chiropractic or osteopathy, but coverage can vary.
Most pregnancies are covered under the public healthcare system and only covered under medical insurance if there are complications. However, some providers will offer Obstetrician cover.
Certain health insurance plans offer wellness benefits, which might include gym membership discounts or coverage for wellness programs. An advisor can inform you of the options and help you set this up.
Yes, if you have been granted a 2 year or longer visa.
A waiting period is the amount of time you need to wait after purchasing health insurance before you can claim certain benefits. Waiting periods vary by insurer and the type of coverage. Common waiting periods include those for pre-existing conditions, pregnancy, and specific treatments.
You may be able to but it is vital to chat to an advisor to make sure you are not losing any benefits by moving. Typically if your health has not changed since taking out your medical cover it is not an issue.
To file a claim, typically you’ll need to submit relevant documents, such as invoices or medical reports, to your insurance provider. This can often be done online or through a claims form provided by the insurer. An advisor can be particularly helpful in these instances as they can guide you through the process.
Factors that can influence your health insurance premium include your age, the level of coverage you choose, any add-on benefits, your health history, and whether you smoke or not.
Health insurance premiums can increase over time due to factors like inflation, rising healthcare costs, and changes in your age group’s risk profile. It’s a good practice to review your policy annually.
Many health insurance plans offer coverage for counselling and mental health support. However, coverage specifics can vary, so it’s recommended to bring this up with your advisor when comparing options.
Health insurance for older adults is available, but premiums might be higher due to increased healthcare needs. Some plans may have age-related restrictions or waiting periods for certain benefits.
Orthodontics can be covered after a set stand down period with limits to financial coverage per year.
IVF unfortunately at this stage is not covered.
The journey to find the best health insurance plan is too complex to do on your own.
Follow a simple process, guided by our partner team of expert insurance advisers,and as a result, you’ll get the cover you need that fits your personal circumstances.
The best part? Our entire service comes at no cost to you. We receive our compensation from the insurance provider only after we have successfully helped you secure cover that meets your health insurance goals.
Furthermore, our commitment doesn’t end there. Our partners continue to provide ongoing advice and support, assisting you with any claims to ensure you receive the benefits you deserve.
Welcome to GetInsured.co.nz
Researching health insurance on your own is a daunting task. Let’s make it simple and do it together.
GetInsured.co.nz works with New Zealand’s leading financial advice providers, to help Kiwis easily access up-to-date health insurance advice and empower them to make informed decisions and get the cover they need to protect their assets, families and lifestyles.
At the start of the process, all our clients generally feel the same. They say that becoming informed on health insurance can be complex and time-consuming. They think that it’s difficult to get the cover they need to match their personal situation.
The good news is that it doesn’t have to be this way. We partner with more than 70+ expert advisers that offer clear guidance in plain language so you can confidently choose the health insurance plan and price that works for you.
Ask any question you want, at any time you want, and your adviser will explain all aspects of what you need to know so you can confidently make an informed insurance decision.
What does GetInsured.co.nz get you?
New Zealand’s leading financial advice providers
Client first culture
New Zealand Owned & Operated
In-depth knowledge of New Zealand’s leading insurance providers
Dedicated claim support team
Tailored insurance advice with transparent quotes & no hidden fees
10,000+ clients over the last 5 years
70+ expert financial advisers from across the country
Stop Rolling the Dice on Your Health Insurance Cover
Don’t let the unexpected win. Make an informed decision.
Avoid insurance buyer’s remorse.