What is life insurance?
Life insurance cover gives you the ultimate peace of mind knowing your family members and loved ones are looked after.
Read ArticleTop Insurance Articles
What is health insurance?
Health insurance is a way to avoid public waiting lists, and access top medical care when you need it.
What is income protection?
Income protection insurance cover enables you to protect your income.
What is mortgage protection insurance?
Mortgage protection insurance is a flexible, low cost way to make sure you don’t lose your home
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Who owns a life insurance policy?
The role of the owner of a life insurance policy is simple.
New Zealand's best little health insurer
Accuro is a New Zealand-owned, not for profit insurer. We put our 30,000 members before financial gain.

What's the difference between Life and Health Insurance?
On the surface, it's a bit like comparing apples and turnips. Life insurance is designed to provide a lump sum to secure your family's wealth and lifestyle if you're no longer around.

Fitting exercise into your busy schedule
Looking for ways to stay fit but don't have a lot of time to spare? We hear you — there are only so many hours in a day to get everything we need done. And motivation and time management are often two of the biggest obstacles to fitness.

Why you're never too young or too old for insurance
Whether you're a 25-year-old just starting out or a 55-plus-year-old nearing retirement, you're never too young or too old to take out cover. Here are some key things to consider.

Inflation, rates and more: 2022 and your cover
There's never a dull moment in the economy, but 2022 has been a particularly big year on that front. Looking for tips to manage your cover in times of increasing costs? Here are some helpful insights from Senior LifeDirect Adviser, Ben Hindin.
Complete Disablement Cover
Complete Disablement Cover is an insurance that pays you a lump sum amount if you become completely disabled due to illness or injury.

Thinking of switching or upgrading your cover?
With new solutions and promotions coming up all the time, there can be many good reasons to replace or upgrade your insurance; however knowing the potential downsides is also key.
nib
At nib, Health Comes First and we believe that health insurance should be easy to understand, easy to claim on and most of all good value.

Five things to know about your health cover
If you've had your health insurance for a while, now may be a good time for a recap of how it all works. So, here's health insurance in a nutshell.

Do you need life insurance to buy a house?
Short answer: No, you don't need life insurance to buy a house - but as a homeowner, life insurance is a very good idea. If you're hunting for your first home, here are some key things to know.

Does health insurance work overseas?
New Zealand health insurance cover won`t protect you.
Accidental Death Insurance
This is quite a specific insurance for death as a direct result of an accident. Not exactly cheery stuff, but the lump sum can come in handy.

Top tips to stay healthy during the festive season
'Tis the season to be festive, and fed. Here are some expert tips* on how to stay healthy during the festive season - to help you enjoy the celebrations, guilt-free.
Partners Life
Life won't give you warning when it's over. Are you covered?
Total and Permanent Disablement Insurance
This insurance provides a lump sum of money to make life a little easier if you become totally and permanently disabled.

Insurance company financial strength ratings
A financial strength rating expresses an insurers opinion to meet its financial obligations
AIA Living Progressive Care
AIA Living Progressive Care is an innovative trauma insurance that allows you to make multiple claims, based on the severity of your illness or injury.

Five things to know about your health cover
If you've had your health insurance for a while, now may be a good time for a recap of how it all works. So, here's health insurance in a nutshell.
AIA Living Family Protection
AIA Living Family Protection is designed to minimise the impact on lifestyle after your death through a monthly payment to your family, rather than a lump sum.

Do you know what you can claim?
Claim time can be a stressful time for anyone, but it's also when the value of having insurance really comes to life. So here are some pointers to help you make the most of your cover - by knowing when to claim on it.
Income Protection Insurance
This insurance is simple, but powerful. As the name suggests, Income Protection protects a percentage of the money you normally earn.

Essential checks for your health 'warrant of fitness'
As the saying goes, prevention is the best medicine. But as we know all too well, when life gets busy, it can be easy to overlook your own health.

Pre-existing condition(s)? Yes, insurance may still be possible
Looking for new cover? If you have a pre-existing medical condition, you may be wondering how it may affect your new insurance application

What is level life insurance and how does it work?
There are two types of life insurance cover you can apply for.

What is an income protection waiting period?
When setting up your income protection, you`ll need to choose a waiting and payment period.

Five steps to winter wellness
The cold season is here, which means shorter days, cooler nights, and perhaps waning motivation. But before you go into 'hibernation mode', we collated some handy winter wellness tips from some of New Zealand's top insurers - to help you kick your immune system into gear and chase away the winter blues.

Health insurance claim limits
These limits are the maximum your insurer will pay if you were to claim on a surgery.

Have you "outgrown" your insurance?
"Change is the only constant in life" - you've probably heard this quote before. And if you're in the second half of life, chances are you've already experienced some of life's biggest changes. Children grow up and become independent, the amount you owe on your mortgage shrinks, and your last day of work gets closer.
Southern Cross
We're working towards a healthier New Zealand, empowering all Kiwis to live healthier lives.

What we've learned about remote work
With remote/hybrid work becoming the norm for many workplaces, we've all learned a lot about working remotely since the pandemic started. So, we put together some first-hand tips from our team at LifeDirect, on how to make working remotely work for you.

Health insurance for 50-plus
Some may say that life begins at 50. It's when you're most likely to reap the fruits of your hard work. A big part of your mortgage may be paid off. And if you have kids, they might be achieving their own financial independence.

How to keep your life insurance affordable - for life
Affordability, both in the short and longer term, is a key consideration when it comes to life insurance. As you know, insurance premiums usually increase with age. They generally start at their lowest levels when you're young and then, year after year, as you age and the likelihood of claiming increase, they keep rising. But what if we told you that there's a way to fix your life insurance premiums - for life? Let us introduce you to another type of premium...

Protecting your biggest asset with Income Protection
First thing first, right off the bat: What's your biggest asset? Many people would say their house, their business, or their car. The reality is all these items depend on an even bigger asset: your ability to earn an income.
AIA Living Accidental Death
AIA Living Accidental Death is a very basic type of life insurance that simply provides a lump sum should you die as a result of an accident.
Workability Insurance
Workability Insurance will help you to get back on your feet and earning again, if you're unable to work due to sickness or injury.
QuickCover Life Insurance Policy
QuickCover is a straight forward life insurance policy that pays out a lump sum on your death or if you are diagnosed with a terminal illness (terminal illness is defined as a condition that is expected to cause death within 12 months). There are no expensive frills - just simple cover that's easy to arrange.

Pandemic Life Insurance: Key things to know
Have recent events prompted you to think about protecting yourself and your financial future from the potential impact of Covid-19? Whether you already have cover or are exploring your options for the first time, here are some key things to know.

Kiwi new parents guide to life insurance
Some of your most important decisions will be about making sure you can financially care for your child.

How to (truly) relax and unwind this holiday season
We hope you get to enjoy some quality time with your loved ones and friends over the holidays - you deserve it. And here are some tips to help you recharge your batteries for next year.

Personal insurance when you're self-employed
Are you about to start your own business or go freelance? Or maybe you already own your business and now you're exploring your insurance options? Helping you protect your financial future is, well, our business. So, here are some personal cover types to consider when you're self-employed.

What is a health insurance excess?
Your excess amount is the part of your claim that you agree to pay.

I'm young: Why would I take out health insurance?
As a young person, you're probably living in the now. The future is looming on the horizon, a kaleidoscope of seemingly endless possibilities and unique experiences, but perhaps you don't think too much about it as yet. And that's only natural. But what if we told you that health insurance is a gift you can give to 'future you'?
Life & Life Income Cover
Life Cover is an insurance that pays you a lump sum if you die or are diagnosed with a terminal illness. Life Income Cover pays a monthly benefit for a period of time.

When and why do I need to review my cover?
When was the last time you reviewed your cover? Many things can change in life, and sometimes, these changes happen very quickly. Whether it's a big milestone or something seemingly small, each life event can affect your finances, your goals, and insurance needs.

What is a health insurance exclusion?
Depending on your medical history you may find an exclusion on your insurance.

Stepped or level premiums: what's the difference?
Most people know that insurance costs increase with age, and that's true for the most common type of premium: stepped (age-related) premiums. However, if you plan to keep the same level of life insurance that you have now until you're 60 and over, there's another type of premium to consider - level premiums.
Why AIA?
We know real life can be unpredictable. With our strong financial foundation and innovative insurance solutions, we're here to partner with you through life's up's and down's.

Common KiwiSaver mistakes to avoid
Are you invested in KiwiSaver and looking at making the most of it? As straightforward and seemingly low-maintenance as KiwiSaver is, there are some key things to watch out along the way.

Insurance Jargon Buster
Insurance can be tricky - we get that, especially with all the jargon. We're here to help ensure you have the information you need to make an informed choice about what insurance is right for you.

When do you need life insurance?
You should review your cover every few years, particularly after major life events.

Four New Year's resolutions that can reduce your insurance premiums
New year, new you? This time of year is traditionally a moment for reflection - new beginnings, new directions, new goals. So if you're thinking about the changes you'd like to make, read on...

Terminal illness and life insurance cover
A good life insurance policy will pay you a lump sum amount if you get diagnosed with a terminal illness.

DHB surgery backlog: How to get faster access to care
In New Zealand, we're certainly lucky to rely on low-cost access to public healthcare, especially when it comes to emergencies. But when it comes to non-urgent care, access to treatment often involves long waits — and the pandemic has exacerbated this issue.

Slip, slop, slap - and other sun smarts
Sun damage can be prevented, if you know how. So we've combed insurance providers' websites for some sun smarts, to help you beat the rays and stay safe.

A day in the life of a good sleeper
We all know how vital a good night's sleep is: there are simply too many health benefits to mention. Sure, some people are born sleepers - (pun alert!) they can do it with their eyes closed. Others, though, not so much.

A New Year checklist for your insurance
Is it time to review your cover? The turn of a calendar year can be a good time to assess what you already have and what you need going forward — especially if things have changed in your life of late.

How do different options affect your life insurance premium?
We know life insurance can be overwhelming, there's so many different options that can have a material impact on your premium, so we're here to make it as easy as possible for you.
Fidelity Life
For today. For tomorrow. For life. At Fidelity Life we're proud to be the largest New Zealand owned and operated life insurer.

Personal insurance when you're over 50
Are you over 50 years old and exploring your insurance options? Now is a great time to bask in the financial security you've been working to create, and make sure you're on a comfortable path to retirement. Here's how different types of cover can help you protect your future.

Mortgage and income protection
Both insurance products are designed to pay you a series of ongoing payments

Why get income protection insurance when we have ACC?
Many people in New Zealand tend to overlook income protection insurance, thinking ACC would step in anyway if they were unable to work. So, to cut through the confusion and help you best protect your financial future, here are some key things to know.

Inflation, rates and more: 2022 and your cover
There's never a dull moment in the economy, but 2022 has been a particularly big year on that front. Looking for tips to manage your cover in times of increasing costs? Here are some helpful insights from Senior LifeDirect Adviser, Ben Hindin.

What is the life insurance underwriting process?
The life insurance underwriting process helps insurers calculate risk.

Does vaping affect your insurance?
Most insurance companies view cigarettes and vaping devices as the same.
Cigna
Cigna New Zealand is a leading specialist provider of life insurance, funeral insurance, income protection insurance, trauma insurance and travel insurance products and services.
Premium Cover
Premium Cover is an insurance that pays your total insurance premiums if you are disabled and unable to work.

About AIA Vitality
AIA Vitality is an award-winning health and wellbeing program.

Health insurance benefits you may not know about
With people's health taking a front seat in recent years, more and more insurers are focusing on supporting Kiwis' wellbeing from multiple angles. And depending on your health insurance policy, your policy may cover a lot more than just specialist visits, or surgery.

How to add years to your life
For centuries, people have been in search of a 'fountain of youth'. And even now that our life expectancy is increasing day by day, we certainly wouldn't mind adding a few more years to our lifespan. So, what if that legendary fountain wasn't a fountain at all? Here are some great tips and insights from New Zealand insurers, to help you enjoy a longer life.

Will New Zealand health insurance work in Australia?
Some insurance companies offer health cover in both New Zealand and Australia.

Rising mortgage rates: is your cover up-to-date?
If you own a mortgaged home, you probably already know this: after years of mortgage rates heading south, the trend is now upwards. Those on a floating rate have already felt it, and for many other home owners, it's only a matter of time before fixed-rate expiry dates start rolling in, bringing higher repayment amounts.

Health insurance through the life stages
Young and single or retiree? Is your family growing - or are your children flying the nest? Health insurance can give you faster access to private healthcare at any stages of life.

Trauma insurance and health insurance: Does it help to have both?
On the surface, health and trauma insurance have the same purpose: to provide much-needed financial support if you fall seriously ill. But if you look under the hood, you'll find that they're quite different, and depending on your needs they can actually complement one another.
Trauma Insurance
Recovering from a serious illness, injury or medical procedure takes time. Our Trauma Recovery Insurance provides you with a lump sum payment to help financially while you recover.

How insurance helps achieve peace of mind
Financial, personal and mental wellbeing - they're all interconnected. And one can argue that there's never been a time like this to take care of your overall wellbeing. So, how does insurance help? Here are some facts, stats and tips for you.

Why not get insurance advice?
Insurance is a one-of-a-kind solution. People take out cover in the hope they'll never use it, and in the meantime, what they get in return is invaluable peace of mind. It's not something anyone likes to think about; but it's also something that can benefit anyone, in times of need.

Health insurance for a pre existing condition
Your medical history may affect what you can get health insurance cover for.

Your BMI and life insurance
Your body mass index (BMI) is an important factor when applying for life insurance.

What we've learned about remote work
With remote/hybrid work becoming the norm for many workplaces, we've all learned a lot about working remotely since the pandemic started. So, we put together some first-hand tips from our team at LifeDirect, on how to make working remotely work for you.

Getting cover for non-Pharmac medical treatments
Insurance is all about having flexibility and choice, and when it comes to taking care of your health, there's no such thing as "too many treatment options".
Cancer Insurance
Although it remains one of the most common and devastating diseases – cancer isn't a death sentence by any means.

Does smoking affect insurance?
Smokers generally face higher insurance premiums than non-smokers
Because you only live once
Life's full of ups and downs. And most of us wouldn't have it any other way. If things don't go to plan though, that's where insurance can really help.
UltraCare
UltraCare is a premium surgical and healthcare plan for those who want the highest level of cover.
AIA Total Permanent Disablement Insurance
With Total Permanent Disablement (TPD) Insurance you will get a lump-sum payment which can assist with your mortgage, covering medical expenses, modifications to your home or other bills

Saving for a home? How to protect your homeownership dream
Insurance - it's not just for the milestones you've already achieved; it's also the sometimes-winding journey it takes to get there. Is homeownership on your wish list, for example? With rising prices across New Zealand, buying a first home has never been more challenging, and unfortunately, it's not getting any easier.

Seven steps to a happier you
To help you make mental health a priority for the rest of the year and beyond, we've collated some great tips from NZ's top insurers.

Health insurance for kids
Health insurance for children is an easy way to safeguard their future.
Life Insurance
You can't predict the future, but you can help protect yourself against it. Life Insurance can provide a lump sum of money if you die or become terminally ill.
Mortgage and Living Insurance
A comfortable lifestyle is the result of hard work, it makes sense to protect it right?

How much life insurance do you need?
Knowing how much life insurance you need is essential.

Applying for new cover? If in doubt, disclose
When you apply for new cover, you need to answer a number of questions about your medical history and current health. And there's a good reason for this.

Kiwi home buyers' guide to life insurance
Buying a property is likely to be your biggest ever purchase.

Essential checks for your health 'warrant of fitness'
As the saying goes, prevention is the best medicine. But as we know all too well, when life gets busy, it can be easy to overlook your own health.
SmartCare+
SmartCare+ is Accuro's top rated individual product for those who make their health a priority. The SmartCare range has been recommended by consumer experts for best product and price as well as highest customer satisfaction since its launch in 2008.

Trauma Insurance: Over $110 million paid to Kiwis in just 6 months
Thinking about critical illnesses or injuries certainly isn't pleasant, but unfortunately, the unexpected can (and does) happen.