🔬
Surgical Cover
Ensures you can access private surgical treatment when you need it, bypassing public hospital waiting lists.
Overview
Surgical cover pays for elective and acute surgery performed in a private hospital. With public surgical waiting lists in NZ often exceeding 12–18 months for elective procedures, having surgical cover means you can have the operation when your surgeon recommends — not when the public system has capacity. Cover typically includes the surgeon, anaesthetist, theatre fees, and post-operative care.
Average Cost
From $60–$180/month depending on age and excess
Frequently Asked Questions
Get Your Free Quote
For this coverage type