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Best Health Insurance for Seniors
For over-65s, private health insurance provides access to faster diagnosis and treatment at a time when health needs typically increase. Getting the right cover — and not overpaying — matters most.
Why It Matters
Key Considerations
- •Premiums increase significantly with age — get quotes now if approaching 65
- •Check for age-out provisions in your policy
- •Joint replacements and eye surgery often justify the cost alone
- •Maintain cover to avoid new exclusions when applying later
Our Recommendations
- ✓Major Medical Cover: Critical for orthopaedic and specialist access
- ✓Accuro or Partners Life: Best value for seniors in most situations
- ✓Cancer Cover: Increasingly important with age
- ✓Consider $500 excess (not $1,000) on fixed retirement income
Get a Seniors Quote
Personalised health insurance for seniors
Why Work With Us
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Independent
Our service is completely independent. Advisers are paid by providers, not you.
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All Providers
We compare Southern Cross, nib, AIA, Accuro & Partners Life — all major NZ insurers.
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Fast Quotes
Get a personalised quote within 24 hours. No waiting around.