Health Insurance

Why get health insurance?


Having private health insurance allows you to avoid those public hospital waiting lists and get the treatment you need, when you need it, reducing your time off work.

In New Zealand, People who purchase health insurance tend to have a better understanding of New Zealand's health care system. Without health insurance, will result in the queue on the public medical waiting list or paying the high cost for private hospital treatments.

Health insurance, also known as private medical insurance, is designed to ensure that if you need medical treatment, the majority of the medical costs will be covered. 


What does Health Insurance cover?


  • Hospital Surgical Treatment
  • Non-Surgical Hospital Treatment
  • Cancer Treatment and Drugs
  • Major Diagnostic Benefit
  • Public Hospital Cash Benefit
  • Specialist
  • Oversea Treatment
  • Treatment in Australia
  • Medical Tourism
  • Loyalty Benefit 



Common Treatment Costs



Where are your quotes from?


SP Insurance works with 80% of the Health Insurance companies on the market of New Zealand.  


Ultimate Health & Ultimate Health Max

  • $600,000 hospital surgical cover per year, includes non-pharmac funded drugs
  • $300,000 non-surgical cover, including cancer treatment, per year
  • Cover up to 75% of the cost, if an insured person elects to have treatment overseas
  • Your choice to add the following options: Specialist, Proactive Health, Serious Condition Financial Support, GP, Dental & Optical




Private Health


  • UNLIMITED hospital surgical cover
  • $500,000 cover each year for non-surgical cover 
  • $200,000 cover each year for Major diagnostic imaging and tests
  • Up to $500,000 cover each year for cancer treatment. Covers surgical and non-surgical costs
  • Up to $200,000 cover each year for specified diagnostic procedures.
  • Up to 75% of the cost for voluntary treatment in oversea.
  • Up to 100% of the cost for voluntary treatment in Australia



Southern Cross 



  • Unlimited hospital surgical cover 
  • $60,000 non-surgical cover
  • Up to $60,000 cover each claims year for diagnostic imaging and tests
  • Up to $30,000 oversea treatment each year
  • Up to $60,000 cover for Cancer Chemotherapy treatment
  • Unlimited Cancer Radiotherapy treatment cover




Partners Life

Private Medical Cover


  • $600,000 hospital surgical cover 
  • $300,000 non-surgical cover
  • Up to 75% of the costs of the oversea treatment if it was undertaken in New Zealand
  • The Funeral Support Benefit is a lump sum payment of $10,000 per life assured
  • Up to $200,000 cover each year for diagnostic tests


Health Insurance

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