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              Private Health
              Sovereign says:
              • Overseas treatment cover
              • Unlimited surgery cover
              • Earn Airpoints Dollars
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              Ultimate Health Max
              nib says:
              • Complementary Travel Insurance
              • Choice and flexibility
              • Future proof your cover
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              Ultimate Health
              nib says:
              • Complementary Travel Insurance
              • Choice and flexibility
              • Comprehensive yet affordable
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              Real Health
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              .0 /
              Wellbeing
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              SmartCare+
              Accuro says:
              • Non-Pharmac drug cover
              • Access to Best Doctors
              • 48 hour claim assessment
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              Private Medical Cover
              Not the right fit?
              We’ve got more options up our sleeve if these options don’t fit.
              Get in touch.
              0800 800 400
              Overseas? Call +64 4 384 9110
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                Sovereign
              nib
              nib
              AIA
              Southern Cross
              Accuro
              Partners Life
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              Product name
              Private Health
              Ultimate Health Max
              Ultimate Health
              Real Health
              Wellbeing
              SmartCare+
              Private Medical Cover
              Not the right fit?
              We’ve got more options up our sleeve if these options don’t fit.
              Get in touch.
              0800 800 400
              Overseas? Call +64 4 384 9110
              Call
              Chat
              Contact
              Apply  
              Availability  
              Selling points  
              Sovereign says:
              • Overseas treatment cover
              • Unlimited surgery cover
              • Earn Airpoints Dollars
              nib says:
              • Complementary Travel Insurance
              • Choice and flexibility
              • Future proof your cover
              nib says:
              • Complementary Travel Insurance
              • Choice and flexibility
              • Comprehensive yet affordable
              AIA says:
              Nothing to say here at the moment
              Southern Cross says:
              Nothing to say here at the moment
              Accuro says:
              • Non-Pharmac drug cover
              • Access to Best Doctors
              • 48 hour claim assessment
              Partners Life says:
              Nothing to say here at the moment
              Special offers  
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              Financial Strength  
              Customer service  
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              Overall policy features  
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              HealthCover   Health Cover Health Cover Health Cover Health Cover Health Cover Health Cover Health Cover
              Policy features  
              0
              0
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              Non-Pharmac cover  
              Guaranteed wordings  
              Surgical cover  
              (Unlimited)
              ($600,000 per year)
              ($600,000 per year)
              ($500,000 per year)
              (Unlimited. Prostheses maximums apply)
              ($500,000 per year)
              ($600,000 per year)
              Non-surgical cover  
              ($300,000 per year)
              ($300,000 per year)
              ($300,000 per year)
              ($500,000 per year)
              ($60,000 per year)
              ($200,000 per year)
              ($300,000 per year)
              Major diagnostic tests  
              Overseas treatment  
              (Up to $30,000 per year)
              (Up to $30,000 per treatment)
              (Up to $30,000 per treatment)
              (Up to 75% of NZ cost)
              (Up to $30,000 per year)
              (Up to $30,000 per year)
              (Up to $30,000 per year). Insurer also offers further overseas benefits. Please see brochure.
              Australian cover  
              (Up to usual maximum)
              (Up to usual NZ cost)
              (Up to usual NZ cost)
              (Up to 24 months)
              (Up to usual NZ cost)
              (Up to usual NZ cost)
              Expiry age  
              Loyalty benefit  
              (After 2 years: sterilisation. See Policy Document for details.)
              (After 1 year: suspension of cover; 2 years: sterilisation; 3 years: Wellness Benefit, Bariatric Surgery, Bilateral Breast Reduction. See Policy Document for details.)
              (After 1 year: suspension of cover; 2 years: sterilisation up to $1,000; 3 years: Wellness Benefit. See Policy Document for details.)
              (If you add Specialists & Tests Option. See Policy Document for details)
              (After 1 year: obstetrics allowance (Wellbeing Two only); after 3 years: gastric banding/bypass, breast reduction, prophylactic treatment, palliative care. See Policy Document for details.)
              (After 3 years: sterilisation, health check, healthy weight discount. See Policy Document for details.)
              (After 2 years: sterilisation. See Policy Document for details.)
              Documents  
              Documents
              Documents
              Documents
              Documents
              Documents
              Documents
              Documents
              Product brochure  
              Policy Document