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What is health insurance?
Health insurance is a way to avoid public waiting lists, and access top medical care when you need it.
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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.
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.
Health insurance for kids
Health insurance for children is an easy way to safeguard their future.
Health insurance for a pre existing condition
Your medical history may affect what you can get health insurance cover for.
What is health insurance?
Health insurance is a way to avoid public waiting lists, and access top medical care when you need it.
Frequently asked questions
Some frequently asked questions about health insurance
Insurer overview
Check out our trusted insurers
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.
What is a health insurance exclusion?
Depending on your medical history you may find an exclusion on your insurance.
Does health insurance work overseas?
New Zealand health insurance cover won`t protect you.
Will New Zealand health insurance work in Australia?
Some insurance companies offer health cover in both New Zealand and Australia.
Southern Cross
We're working towards a healthier New Zealand, empowering all Kiwis to live healthier lives.
UltraCare
UltraCare is a premium surgical and healthcare plan for those who want the highest level of cover.
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.
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.
What is a health insurance excess?
Your excess amount is the part of your claim that you agree to pay.
Health insurance claim limits
These limits are the maximum your insurer will pay if you were to claim on a surgery.
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.
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".
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.
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.
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.
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'?
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.
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.
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
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.
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.
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.
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.
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.
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.
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.