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Public Healthcare Too Slow in NZ?
Health Insurance Lets You Access Private Care
Long waits, limited options, and rising costs make public healthcare in New Zealand a real struggle.
Private health insurance puts you back in control—so you and your family get the care you need, when you need it.
Skip the Waitlists
Public hospitals often mean months of waiting for non-urgent surgery or scans. Private insurance gives you priority access—get treated faster and get back to life sooner.
Choose Your Doctor
No more random assignments. See the specialist you trust, at the hospital or clinic you prefer—more confidence for you and your family.
Cover for Unfunded Medications
Some new or life-changing drugs aren’t funded by PHARMAC and can cost a fortune. With private cover, you can add protection for these expensive medications.
Everyday Health Included
Dental, physio, optical and GP visits quickly add up. Private health insurance helps cover these everyday expenses—not just major hospital care.
Protection Beyond ACC
Public cover and ACC won’t pay for illness, only injuries. Private insurance steps in for non-accident surgeries, specialist consults, and costly treatments, so you’re not left with the bill.
Certainty for the Future
Healthcare costs keep rising and public resources are stretched. Lock in your cover now for peace of mind, knowing you and your loved ones have options—no matter what tomorrow brings.
What Does Health Insurance Cover?
Core Benefits
Surgery Cover
Provides full reimbursement for medically necessary surgeries, including surgeon and anaesthetist fees, theatre costs, and related hospital expenses, ensuring comprehensive financial protection during critical procedures.
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Hospitalisation Cover
Ensures coverage for in-patient admissions, including accommodation, nursing care, and prescribed treatments, safeguarding you from high hospital costs due to illness, accident, or required medical interventions.
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Cancer Treatment Cover
Covers a wide range of cancer treatments, such as chemotherapy, radiotherapy, surgery, and supportive medications, to provide holistic support throughout diagnosis, treatment, and ongoing management of cancer.
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Overseas Treatment Cover
Enables access to international medical care, reimbursing costs for approved treatments overseas, with 75%-85% of eligible costs reimbursed, supporting timely access to advanced international care and peace of mind for patients.
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Optional Benefits
Specialist & Diagnostic Cover
Reimburses costs for consultations with medical specialists and advanced diagnostic investigations, such as MRI and CT scans, even when hospitalisation is not required.
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GP Consultation Cover
Provides reimbursement for regular general practitioner visits, minor procedures, preventive care, and prescription costs to support your day-to-day healthcare needs.
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Dental & Optical Care
Covers dental check-ups, treatments, orthodontic work, vision testing, and prescription eyewear, ensuring access to essential oral and optical healthcare services.
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Proactive Health Option
Supports proactive health measures by covering screening tests, vaccinations, and health assessments for early detection and prevention of potential medical conditions.
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Serious Condition Support
Provides a one-off lump sum benefit upon diagnosis of specified serious conditions, designed to help manage the financial impact during challenging health events.
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Non-PHARMAC Plus Option
Expands coverage for the cost of Medsafe-approved, non-PHARMAC funded medicines, ensuring access to the latest treatments not otherwise subsidised by standard government programs.
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How Much Might I Pay without Health Insurance?
Health insurance can reduce the burden of private treatment and give you more choice over timing and providers. If you self‑fund, rough prices can look like the estimates below. Actual costs vary by region, clinic and complexity.
Routine care
GP visit
$40 – $75
Dental check & clean
$180 – $320
Eye exam (optometrist)
$90 – $160
Acupuncture session
$55 – $95
Physiotherapy (45 min)
$50 – $85
Counselling / therapy
$140 – $220
Specialist & imaging
Specialist consultation
$180 – $320
Minor skin surgery (GP)
$380 – $520
Ultrasound
$280 – $680
MRI scan
$1,200 – $2,600
CT scan
$900 – $1,450
PET scan
$1,900 – $2,800
In‑hospital procedures
Wisdom teeth removal
$2,800 – $4,600
Ear grommets
$2,000 – $3,200
Knee arthroscopy
$5,500 – $8,500
Varicose vein treatment
$6,500 – $9,800
Laparoscopic appendectomy
$10,000 – $18,000
Caesarean delivery (private)
$14,000 – $22,000
Frequently asked questions
We focus on leading health insurers in New Zealand—AIA, Southern Cross, NIB, and Partners Life—covering their core health insurance products.
We highlight key benefits and differences based on each insurer’s official policy wording, including hospital cover, specialist access, diagnostics, benefit limits, and waiting periods.
SP Insurance’s brokers are licensed financial advisers. They can assess your needs, explain product details, and recommend a health plan tailored to your situation.
Yes. We recommend reviewing the full policy wording and discussing it with an SP Insurance licensed adviser to ensure it matches your needs.
Absolutely. They can help you combine benefits, adjust cover levels, and explore optional add-ons to suit your health and budget goals.
Some insurers offer family or multi-life discounts. SP Insurance can check eligibility and help you access any available savings.