Health Insurance Coverage Types
Explore every type of health insurance cover available in New Zealand. From major medical to income protection — find the right cover for your situation.
Compare Providers →All Coverage Types
Click any coverage type below to learn what's included, typical costs, and which providers offer it.
Major Medical Cover
Covers the cost of significant medical events including hospitalisation, specialist visits, and investigations.
Surgical Cover
Ensures you can access private surgical treatment when you need it, bypassing public hospital waiting lists.
Everyday Health Cover
Covers day-to-day health costs including GP visits, dental, optical, and prescription medicines.
Trauma Insurance
Pays a lump sum on diagnosis of serious conditions like cancer, heart attack, or stroke.
Life Insurance
Provides a lump sum payment to your family if you die, helping them maintain financial security.
Income Protection
Replaces your income if you are unable to work due to illness or injury.
Business Health Insurance
Group health insurance for your employees — attract talent, reduce sick days, and provide a valued benefit.
Mental Health Cover
Covers treatment for mental health conditions including therapy, psychiatry, and inpatient care.
Not Sure Which Cover You Need?
Our expert advisers will assess your situation and recommend the right combination of cover for your needs and budget.