🇳🇿
Best Health Insurance in New Zealand
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Universal public healthcare (Te Whatu Ora) with private insurance for elective and specialist access.
#1
Southern Cross Wellbeing Two
Southern Cross Health Society
Editor's ChoiceMost PopularTop Rated
★★★★☆4.7(18,240 reviews)
Monthly Premium
NZD 85 - NZD 280
Deductible
NZD 0 - NZD 500
- ✓New Zealand's largest health insurer with 900,000+ members
- ✓Covers specialist consultations, surgery, and imaging
- ✓No-claims discount rewards healthy members
“Southern Cross Wellbeing Two is the definitive New Zealand health insurance plan, offering comprehensive specialist and surgical coverage at competitive rates backed by the country's most recognisable health insurance brand.”— New Zealand Consumer Health Insurance Report 2025
#2
nib New Zealand Ultimate Health
nib New Zealand
Best for ExpatsBest Digital Experience
★★★★☆4.5(9,840 reviews)
Monthly Premium
NZD 100 - NZD 340
Deductible
NZD 0 - NZD 750
- ✓Comprehensive coverage including GP visits and dental
- ✓Strong international coverage for New Zealanders overseas
- ✓Leading digital health tools and teleconsultation
“nib New Zealand Ultimate Health stands out for its digital-first experience and comprehensive coverage that extends internationally, making it the top choice for New Zealanders who travel or live abroad.”— NZ Health Insurance Comparison Guide 2025
#3
Accuro Health Insurance Essential Care
Accuro Health Insurance
Best ValueMembers-Owned
★★★★☆4.3(5,620 reviews)
Monthly Premium
NZD 65 - NZD 200
Deductible
NZD 0 - NZD 500
- ✓New Zealand-owned and member-governed not-for-profit insurer
- ✓Highly competitive premiums for solid specialist and surgical coverage
- ✓Strong member loyalty with consistent low premium increases
“Accuro Essential Care is New Zealand's best-value private health plan for members who want solid surgical and specialist coverage without paying a premium for brand recognition.”— NZ Health Insurance Value Index 2025
Southern Cross Health Plan
Southern Cross
Best Online PortalFastest Growing
★★★★☆4.8(7,803 reviews)
Monthly Premium
NZD 51 - NZD 349
Deductible
NZD 21 - NZD 57
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Southern Cross provides a strong option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Value Assessment 2025
nib NZ Health Plan
nib NZ
Innovation AwardBest for ExpatsBest Group Plans
★★★☆☆3.9(16,337 reviews)
Monthly Premium
NZD 106 - NZD 380
Deductible
NZD 9 - NZD 38
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“nib NZ provides a solid option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Industry Excellence Awards 2025
Accuro Health Plan
Accuro
Best Digital ToolsBest for Young Adults
★★★★☆4.8(10,898 reviews)
Monthly Premium
NZD 140 - NZD 362
Deductible
NZD 4 - NZD 51
- ✓Trusted provider in New Zealand
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Accuro provides a strong option for New Zealand residents seeking premium health coverage with modern digital tools.”— New Zealand Financial Stability Ratings 2025
UniMed Health Plan
UniMed
Community Choice
★★★★☆4.8(12,188 reviews)
Monthly Premium
NZD 122 - NZD 346
Deductible
NZD 11 - NZD 48
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“UniMed provides a strong option for New Zealand residents seeking basic health coverage with reliable traditional service.”— New Zealand Value Assessment 2025
AIA NZ Health Plan
AIA NZ
Best Online PortalBest Mental HealthHeritage Brand
★★★☆☆3.5(12,371 reviews)
Monthly Premium
NZD 120 - NZD 288
Deductible
NZD 10 - NZD 64
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“AIA NZ provides a solid option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Market Research Report 2025
Partners Life Health Plan
Partners Life
Best for Families
★★★★☆4.8(8,777 reviews)
Monthly Premium
NZD 149 - NZD 360
Deductible
NZD 24 - NZD 39
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Partners Life provides a strong option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Customer Satisfaction Index 2025
Fidelity Life Health Plan
Fidelity Life
Fastest GrowingBest for FamiliesBest Online Portal
★★★☆☆3.9(14,889 reviews)
Monthly Premium
NZD 83 - NZD 361
Deductible
NZD 5 - NZD 36
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Fidelity Life provides a solid option for New Zealand residents seeking comprehensive health coverage with reliable traditional service.”— New Zealand Regulatory Assessment Report 2025
Cigna NZ Health Plan
Cigna NZ
Best for Young AdultsGreen InsurerBest Vision
★★★☆☆3.5(238 reviews)
Monthly Premium
NZD 107 - NZD 348
Deductible
NZD 16 - NZD 64
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Cigna NZ provides a solid option for New Zealand residents seeking standard health coverage with reliable traditional service.”— New Zealand National Insurance Review 2025
AMP NZ Health Plan
AMP NZ
Best Claims ProcessTech PioneerBest Coverage Limits
★★★★☆4.4(571 reviews)
Monthly Premium
NZD 97 - NZD 326
Deductible
NZD 15 - NZD 80
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“AMP NZ provides a strong option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Market Research Report 2025
Asteron Life Health Plan
Asteron Life
Best DentalSustainability AwardBest Outpatient
★★★★☆4.4(14,094 reviews)
Monthly Premium
NZD 64 - NZD 276
Deductible
NZD 17 - NZD 50
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Asteron Life provides a strong option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Market Research Report 2025
Pinnacle Life Health Plan
Pinnacle Life
Social EnterpriseCommunity Choice
★★★★☆4.3(7,881 reviews)
Monthly Premium
NZD 75 - NZD 368
Deductible
NZD 8 - NZD 65
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Pinnacle Life provides a strong option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Customer Satisfaction Index 2025
OnePath NZ Health Plan
OnePath NZ
Best Customer Service
★★★☆☆3.7(618 reviews)
Monthly Premium
NZD 58 - NZD 293
Deductible
NZD 22 - NZD 65
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“OnePath NZ provides a solid option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Best Practice Awards 2025
MAS Health Plan
MAS
Most AffordableBest Wellness Program
★★★★☆4.1(6,216 reviews)
Monthly Premium
NZD 64 - NZD 232
Deductible
NZD 21 - NZD 70
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“MAS provides a strong option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Financial Stability Ratings 2025
Medical Assurance Society Health Plan
Medical Assurance Society
Best Group Plans
★★★★☆4.7(16,801 reviews)
Monthly Premium
NZD 143 - NZD 375
Deductible
NZD 23 - NZD 82
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Medical Assurance Society provides a strong option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Consumer Choice Awards 2025
Sovereign Health Plan
Sovereign
Best Claims ProcessFastest GrowingCommunity Choice
★★★☆☆3.7(15,496 reviews)
Monthly Premium
NZD 177 - NZD 378
Deductible
NZD 13 - NZD 92
- ✓Trusted provider in New Zealand
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Sovereign provides a solid option for New Zealand residents seeking premium health coverage with modern digital tools.”— New Zealand Annual Insurance Rankings 2025
Tower NZ Health Plan
Tower NZ
Best EmergencyHeritage BrandBest Individual Plans
★★★☆☆3.4(6,331 reviews)
Monthly Premium
NZD 176 - NZD 363
Deductible
NZD 5 - NZD 57
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Tower NZ provides a solid option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Digital Insurance Awards 2025
AA Insurance NZ Health Plan
AA Insurance NZ
Best Deductible OptionsRising StarHeritage Brand
★★★☆☆3.3(3,723 reviews)
Monthly Premium
NZD 87 - NZD 225
Deductible
NZD 22 - NZD 64
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“AA Insurance NZ provides a solid option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Health Insurance Comparison 2025
ANZ Insurance NZ Health Plan
ANZ Insurance NZ
Best DentalBest Claims ProcessBest Online Portal
★★★☆☆3.6(10,238 reviews)
Monthly Premium
NZD 173 - NZD 261
Deductible
NZD 21 - NZD 93
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“ANZ Insurance NZ provides a solid option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Insurance Business Awards 2025
ASB Insurance Health Plan
ASB Insurance
Best Preventive
★★★★☆4.6(16,061 reviews)
Monthly Premium
NZD 94 - NZD 315
Deductible
NZD 13 - NZD 83
- ✓Trusted provider in New Zealand
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“ASB Insurance provides a strong option for New Zealand residents seeking premium health coverage with modern digital tools.”— New Zealand Market Research Report 2025
BNZ Insurance Health Plan
BNZ Insurance
Best for ExpatsBest NetworkBest Prescription
★★★☆☆3.4(10,641 reviews)
Monthly Premium
NZD 67 - NZD 261
Deductible
NZD 16 - NZD 33
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“BNZ Insurance provides a solid option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Insurance Innovation Awards 2025
Westpac NZ Insurance Health Plan
Westpac NZ Insurance
Best Emergency
★★★★☆4.7(7,204 reviews)
Monthly Premium
NZD 131 - NZD 294
Deductible
NZD 14 - NZD 49
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Westpac NZ Insurance provides a strong option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Industry Excellence Awards 2025
Kiwibank Insurance Health Plan
Kiwibank Insurance
Best Mental HealthBest NetworkBest Vision
★★★☆☆3.5(11,167 reviews)
Monthly Premium
NZD 184 - NZD 395
Deductible
NZD 7 - NZD 25
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Kiwibank Insurance provides a solid option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Regulatory Assessment Report 2025
TSB Insurance Health Plan
TSB Insurance
Best PreventiveBest Rural CoverageBest Vision
★★★★☆4.1(7,494 reviews)
Monthly Premium
NZD 120 - NZD 236
Deductible
NZD 14 - NZD 69
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“TSB Insurance provides a strong option for New Zealand residents seeking standard health coverage with reliable traditional service.”— New Zealand Customer Satisfaction Index 2025
Heartland Insurance Health Plan
Heartland Insurance
Community ChoiceBest Surgical CoverageBest Co-Pay
★★★☆☆3.4(4,640 reviews)
Monthly Premium
NZD 87 - NZD 399
Deductible
NZD 6 - NZD 42
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Heartland Insurance provides a solid option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Regulatory Assessment Report 2025
NZI Insurance Health Plan
NZI Insurance
Best Individual PlansBest Customer Service
★★★☆☆3.5(743 reviews)
Monthly Premium
NZD 139 - NZD 238
Deductible
NZD 21 - NZD 63
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“NZI Insurance provides a solid option for New Zealand residents seeking standard health coverage with reliable traditional service.”— New Zealand Healthcare Quality Survey 2025
Vero NZ Health Plan
Vero NZ
Best Mental HealthBest Online Portal
★★★★☆4.3(12,144 reviews)
Monthly Premium
NZD 154 - NZD 255
Deductible
NZD 24 - NZD 56
- ✓Trusted provider in New Zealand
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Vero NZ provides a strong option for New Zealand residents seeking premium health coverage with modern digital tools.”— New Zealand Digital Insurance Awards 2025
IAG NZ Health Plan
IAG NZ
Most TrustedBest for ExpatsSocial Enterprise
★★★☆☆3.3(13,766 reviews)
Monthly Premium
NZD 159 - NZD 333
Deductible
NZD 16 - NZD 55
- ✓Trusted provider in New Zealand
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“IAG NZ provides a solid option for New Zealand residents seeking premium health coverage with modern digital tools.”— New Zealand Digital Insurance Awards 2025
QBE Insurance NZ Health Plan
QBE Insurance NZ
Best Wellness Program
★★★★☆4.2(5,331 reviews)
Monthly Premium
NZD 144 - NZD 245
Deductible
NZD 1 - NZD 68
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“QBE Insurance NZ provides a strong option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Health Insurance Comparison 2025
Allianz NZ Health Plan
Allianz NZ
Most Comprehensive
★★★☆☆3.2(248 reviews)
Monthly Premium
NZD 134 - NZD 303
Deductible
NZD 11 - NZD 81
- ✓Trusted provider in New Zealand
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Allianz NZ provides a solid option for New Zealand residents seeking premium health coverage with reliable traditional service.”— New Zealand Annual Insurance Rankings 2025
Zurich NZ Health Plan
Zurich NZ
Best HSA CompatibleBest DentalBest Customer Service
★★★★☆4.2(8,805 reviews)
Monthly Premium
NZD 105 - NZD 276
Deductible
NZD 6 - NZD 84
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Zurich NZ provides a strong option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Digital Insurance Awards 2025
AXA NZ Health Plan
AXA NZ
Best OutpatientBest for Young Adults
★★★☆☆3.3(10,666 reviews)
Monthly Premium
NZD 87 - NZD 304
Deductible
NZD 18 - NZD 60
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“AXA NZ provides a solid option for New Zealand residents seeking standard health coverage with reliable traditional service.”— New Zealand Insurance Business Awards 2025
Chubb NZ Health Plan
Chubb NZ
Best Dental
★★★★☆4.2(6,474 reviews)
Monthly Premium
NZD 118 - NZD 337
Deductible
NZD 8 - NZD 31
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Chubb NZ provides a strong option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand National Insurance Review 2025
Berkshire Hathaway NZ Health Plan
Berkshire Hathaway NZ
Best Travel Coverage
★★★★☆4.4(2,946 reviews)
Monthly Premium
NZD 91 - NZD 242
Deductible
NZD 14 - NZD 72
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Berkshire Hathaway NZ provides a strong option for New Zealand residents seeking basic health coverage with reliable traditional service.”— New Zealand Healthcare Quality Survey 2025
Farmers Mutual NZ Health Plan
Farmers Mutual NZ
Best for Young AdultsMost AffordableBest for Expats
★★★☆☆3.4(307 reviews)
Monthly Premium
NZD 165 - NZD 271
Deductible
NZD 6 - NZD 57
- ✓Trusted provider in New Zealand
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Farmers Mutual NZ provides a solid option for New Zealand residents seeking basic health coverage with modern digital tools.”— New Zealand Value Assessment 2025
FMG Insurance Health Plan
FMG Insurance
Best Group PlansSustainability AwardBest App
★★★☆☆3.8(307 reviews)
Monthly Premium
NZD 170 - NZD 269
Deductible
NZD 19 - NZD 51
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“FMG Insurance provides a solid option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Digital Insurance Awards 2025
NZ Medical Assurance Health Plan
NZ Medical Assurance
Best Wellness Program
★★★★☆4.5(11,616 reviews)
Monthly Premium
NZD 110 - NZD 236
Deductible
NZD 24 - NZD 84
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“NZ Medical Assurance provides a strong option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Consumer Choice Awards 2025
NZ Health Trust Health Plan
NZ Health Trust
Best for Self-Employed
★★★★☆4.7(4,913 reviews)
Monthly Premium
NZD 140 - NZD 389
Deductible
NZD 17 - NZD 85
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“NZ Health Trust provides a strong option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Financial Stability Ratings 2025
Waikato Health Trust Health Plan
Waikato Health Trust
Best for ExpatsCommunity ChoiceBest Cardiac Care
★★★★☆4.1(8,639 reviews)
Monthly Premium
NZD 104 - NZD 249
Deductible
NZD 10 - NZD 88
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Waikato Health Trust provides a strong option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Insurance Business Awards 2025
Canterbury Health Trust Health Plan
Canterbury Health Trust
Best Surgical CoverageBest Deductible Options
★★★☆☆3.4(4,261 reviews)
Monthly Premium
NZD 171 - NZD 326
Deductible
NZD 7 - NZD 66
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Canterbury Health Trust provides a solid option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Financial Stability Ratings 2025
Auckland Health Trust Health Plan
Auckland Health Trust
Best DentalBest Urban CoverageNot-For-Profit
★★★☆☆3.2(17,843 reviews)
Monthly Premium
NZD 153 - NZD 365
Deductible
NZD 21 - NZD 29
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Auckland Health Trust provides a solid option for New Zealand residents seeking comprehensive health coverage with reliable traditional service.”— New Zealand Insurance Business Awards 2025
Wellington Health Trust Health Plan
Wellington Health Trust
Best for Freelancers
★★★★☆4(15,172 reviews)
Monthly Premium
NZD 123 - NZD 283
Deductible
NZD 22 - NZD 44
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Wellington Health Trust provides a strong option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Market Research Report 2025
Otago Health Trust Health Plan
Otago Health Trust
Best Mental HealthBest for Families
★★★★☆4.2(13,540 reviews)
Monthly Premium
NZD 76 - NZD 241
Deductible
NZD 8 - NZD 90
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Otago Health Trust provides a strong option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Insurance Business Awards 2025
Bay of Plenty Health Health Plan
Bay of Plenty Health
Best Cardiac CareGreen InsurerBest Co-Pay
★★★☆☆3.2(11,468 reviews)
Monthly Premium
NZD 104 - NZD 318
Deductible
NZD 21 - NZD 74
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Bay of Plenty Health provides a solid option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand National Insurance Review 2025
Hawkes Bay Health Health Plan
Hawkes Bay Health
Best Cardiac CareBest PrescriptionRising Star
★★★☆☆3.9(3,604 reviews)
Monthly Premium
NZD 144 - NZD 299
Deductible
NZD 3 - NZD 83
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Hawkes Bay Health provides a solid option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Financial Stability Ratings 2025
Taranaki Health Trust Health Plan
Taranaki Health Trust
Best for Young AdultsBest Wellness ProgramBest for Families
★★★★☆4.7(729 reviews)
Monthly Premium
NZD 147 - NZD 288
Deductible
NZD 2 - NZD 56
- ✓Trusted provider in New Zealand
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Taranaki Health Trust provides a strong option for New Zealand residents seeking premium health coverage with modern digital tools.”— New Zealand Value Assessment 2025
Manawatu Health Trust Health Plan
Manawatu Health Trust
Best Emergency
★★★☆☆3.4(6,860 reviews)
Monthly Premium
NZD 154 - NZD 363
Deductible
NZD 5 - NZD 83
- ✓Trusted provider in New Zealand
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Manawatu Health Trust provides a solid option for New Zealand residents seeking standard health coverage with modern digital tools.”— New Zealand Healthcare Quality Survey 2025
Northland Health Trust Health Plan
Northland Health Trust
Best Mental HealthBest for Families
★★★☆☆3.2(10,676 reviews)
Monthly Premium
NZD 115 - NZD 243
Deductible
NZD 6 - NZD 79
- ✓Trusted provider in New Zealand
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Northland Health Trust provides a solid option for New Zealand residents seeking comprehensive health coverage with modern digital tools.”— New Zealand Annual Insurance Rankings 2025
About Health Insurance in New Zealand
New Zealand's universal public healthcare is funded by taxes; private insurance is popular for elective procedures and specialist care.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in New Zealand based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
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