Health Insurance

Why get health insurance?

Health insurance gives you options so you can get treatment for qualifying medical conditions quickly. It helps you avoid public hospital waiting lists, and gives you choice over when and where you have your treatment.

You can get an indication of how much some common medical procedures cost here.

The New Zealand Health System

Living in New Zealand certainly has its health benefits – a public hospital system that will look after you in an emergency and the ACC insurance scheme that steps in when you injure yourself accidentally. Plus, for those who want extra choice and certainty there are many private healthcare providers, who you can seek treatment from directly or via your private health insurance.

What can the public health system do for you?

The public health system provides emergency healthcare for New Zealand citizens. If you’re ill with an acute, life-threatening illness or are seriously injured in an accident, you should call an ambulance, contact your doctor immediately or go to your nearest accident and emergency clinic.

What if your condition isn’t acute?

If your medical condition isn’t acute, you should make an appointment with your usual doctor. If you’re not registered with a regular doctor, you can visit any health service provider. They may be able to diagnose and treat your condition or they might refer you to a specialist health service provider.

Health insurance could help here: If your health insurance policy allows it, you might be able to claim for the cost of your doctor’s appointment.

When does ACC apply?

If the doctor decides that your health condition or injury is the result of an accident, you will be processed by the Accident Compensation Corporation (ACC). See for more information.

What if you need specialised help?

Your doctor may decide that specialist help is needed to help diagnose and/or treat your condition. Some doctors concentrate on speciality healthcare services. Some examples are ophthalmologists (eyes), orthopaedics (muscles and skeleton) and oncologists (for cancer).

Health insurance could help here: If you have private health insurance you can choose which specialist health service provider you’d like to see and make an appointment for a time that’s convenient to you. Once an appointment is booked, you can ask your doctor to forward the relevant case notes and test results to this specialist health service provider.
If you don’t have private health insurance, depending on the demand in the public health system, you may have to wait for an appointment. The priority assigned to your case and the length of the waiting list in your region will determine how long you have to wait. You won’t normally be able to decide which specialist health service provider you see or the time and place of your appointment.

At Lloyd's Insurance we recommend the two best health insurance providers, nib and Partners Life. For businesses looking to offer group schemes we can offer a choice of providers. Please click on the links to read more about each scheme.

Your Lloyd's Insurance Adviser will assess your situation and help you select the right insurance based on a range of factors including the size of debts, size of your family, your budget and your lifestyle.

Included in your personal assessment is a fast and accurate comparison of suitable products from the huge range available from major insurance companies.

Match your Situation with the correct Insurance for your family's needs

For a personal Insurance assessment that will match your situation to the Insurance products which are in your best interest, talk to your local Lloyd's Insurance Adviser, or call us at any time on 07 572 1599 (+64 7 572 1599).