Health Product Comparisons

Check out what’s included in the policy, for each of our insurers. Please note, optional extras require additional premium above what we show for basic policy pricing on our Quote Now page. We're happy to provide pricing for these options if you're unsure, just give us a call or email.

Content on this page last updated: April 2016

Do they pay for any approved drug whether subsidised by Pharmac or not?
*limit of $10K pppy
Is there at least a $200,000 per person per year surgical admission limit?

Is there at least a $200,000 per person per year medical admission limit?

Can I add cover for Specialists & Tests?
Can I also be paid a lump sum if I incur a major illness as well as have hospital bills paid? (additional premium applies)
What's their Financial Strength Rating?
B (stable)
AM Best
AA- (Very Strong)
A- (Excellent)
AM Best
A+ (Superior)
AM Best
A+ (Strong)
Do they guarantee their policy terms and conditions?
Allows me to add other basic options like doctors visits cover?
Additional fee for paying my premium by credit card?
Would my NZ policy cover continue if I move to Australia ?

# these providers cover only cancer drugs that are non-Pharmac subsidised
^cover lasts for 24 months after leaving NZ

The S& P rating scale is: AAA (Extremely Strong) BBB (Good) CCC (Very Weak) AA (Very Strong) BB (Marginal) CC (Extremely Weak) A (Strong) B (Weak) R (Regulatory Action) Plus (+) or minus (-) signs following ratings from “AA” to “CCC” show relative standing within the major rating categories. Standard & Poor's is an approved rating agency under the Insurance (Prudential Supervision) Act 2010.

The AM Best rating scale is: A++, A+ (Superior) B,B- (Fair) A, A- (Excellent) C++, C+ (Marginal) B++, B+ (Good) C, C- (Weak) D (Poor) ​E (Under Regulatory Supervision) ​ F (In Liquidation) ​ S (Suspended)

Policy Information


Download Policy Information:

Accuro AIA PartnersLife Sovereign Southern Cross

We’ve made every effort to ensure all information shown here is accurate & up to date, but stress you should always refer to the respective insurers’ policy document for the most complete information on each benefit. We can email you the latest policy document or just call us on 0800 89 INSURE ME

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