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