Health Insurance in New Zealand – Top Company List [August 2023]

Every year, a list of top health insurance in New Zealand is declared which helps in taking the right insurance decision. There are few important features that help it to rate the insurance companies, such as their performances, Incurred Claim Ratio, and best benefits offered to their customers. With the increasing risk of life diseases and the soaring costs of medical having an adequate health insurance cover is the need of the hour in New Zealand.

We have listed some of the best health insurance providers in New Zealand. You can check their Incurred claim ratio, the number of network in nz, and other features while selecting a top health insurance provider. Below is the list of top health insurance companies in New Zealand. You can compare them based on coverage benefits and their features and then make your choice.

Let’s read about some of the best health insurance in New Zealand.

Best Health Insurance in New Zealand
Southern Cross Health Care
AA Health Insurance

1. Southern Cross group New Zealand

Southern Cross group New Zealand

Southern Cross group, a collection of independent, health-oriented businesses in New Zealand, operates on not-for-profit principles and is New Zealand’s largest health insurance company. The Group’s businesses include health insurance, private hospitals and healthcare, travel insurance and pet insurance. The Group encompasses the Southern Cross Medical Care Society and the Southern Cross Health Trust and their respective subsidiaries.

About Southern health care

Southern Cross Healthcare has grown into a leading player in the health sector based on a long standing reputation for delivering high quality elective surgery and nursing care. They now offer a far wider range of healthcare services across the country.

They not only operate the country’s largest independent surgical hospital network. They also support New Zealanders’ health in many other contexts, from post-operative rehabilitation and pain management to workplace-based health checks and mental healthcare options.  In all these areas, Southern Cross’ focus is making sure that deliver quality healthcare for more Kiwis. Also more: Trade me Insurance complaint

Southern Cross hospitals list and contact details

Name Phone number Address
Auckland Surgical Centre 09 925 4700 9 St Marks Road, Remuera, Auckland,1050
Brightside (Auckland) 09 925 4200 3 Brightside Rd, Epsom, Auckland 1023
Christchurch 03 968 3100 131 Bealey Avenue, Christchurch, 8013
Gillies Hospital (Auckland) 09 925 4000 160 Gillies Ave, Epsom Auckland 1023 PO Box 99018, Newmarket Auckland 1149
Hamilton 07 959 5700 21 Von Tempsky St, Hamilton 3216 P.O. Box 4173, Hamilton, 3247
Invercargill 03 211 2260 108 Deveron Street, Invercargill, 9810
New Plymouth 06 759 4820 205 St Aubyns Street, New Plymouth, 4310
North Harbour (Auckland) 09 925 4400 232 Wairau Rd, Wairau Valley, Auckland 0627
Rotorua 07 921 2700 58 Otonga Road, Rotorua,3015 PO Box 2240, Rotorua, 3040
Wellington (04) 910 2160 90 Hanson Street, Newtown, Wellington, 6021

Southern Cross New Zealand Company contact information

Website Click here
Industries Insurance
Company size 501-1000 employees
Southern Cross contact number 11 64 9-979 9212
Headquarters Auckland, Auckland
Type Nonprofit
Corporate office address Level 1, Te Kupenga, 155 Fanshawe Street, Auckland 1010

2. AA Insurance New Zealand

AA Insurance New Zealand

AA Insurance has been offering general insurance to New Zealanders for 25 years. aa products have all been developed right here in New Zealand with Kiwis in mind. They pride ourselves on offering competitive and flexible cover while delivering the best customer service in the industry; think these independent awards endorse just that:

  • Kiwis have voted us Reader’s Digest ‘Most Trusted General Insurer’ since 2011.
  • We’ve been recognised by Reader’s Digest in the Quality Service Awards for Car Insurance since 2015.

About AA health Insurance

AA Health provides quality, affordable cover for you and your loved ones – from day-to-day medical expenses like GP and physio, through to surgery and specialist consultations. With AA Health you can sit back and relax knowing you’re covered by one of NZ’s trusted health insurance brands.

Private Hospital cover

AA Private Hospital cover helps with the big stuff, like diagnostics, surgery and treatment in recognised private hospitals. Even if you’re fit and healthy, it’s important to have a plan in place for unexpected medical expenses to help you get access to the right support you when you need it most.

AA health New Zealand Company contact information

Website Click here
Industries Insurance
Customer Contact Centre 0800 500 444
Phone number 0800 758 758
Overseas Phone +64 9 282 9633 
Email us
Corporate office address PO Box 91630  Victoria Street West  Auckland 1142

3. Accuro Health Insurance New Zealand

Accuro Health Insurance New Zealand

Accuro is a New Zealand-owned, not for profit insurer. They put our 30,000 members before financial gain. When you combine our quality products with fast claims turnaround and our knowledgeable customer service team, it’s no wonder they are New Zealand’s best little health insurer.

They are a 100 percent New Zealand-owned, not for profit health insurance co-operative. They provide members with comprehensive, flexible, affordable, and accessible health insurance since 1971.

Simple, proactive health insurance

They make health insurance simple, clear and transparent by talking to you in language you can understand. They actively engage with our members at every step of their health insurance journey, managing your health before, during and after illness strikes or you need medical treatment.

Where Accuro came from

They were established in 1971 initially to provide comprehensive health cover to the health care professionals working in New Zealand’s hospitals.  More than half of Accuro members are from the health sector and come to Accuro because they know we are the experts in health insurance.

Accuro Insurance New Zealand Company contact information

Industries Insurance
Accuro contact number 0800 222 876
hours Monday to Friday 8:30am to 5:00pm
Postal Address PO Box 10075 Wellington 6143
Corporate office address Level 3 17 Whitmore Street Wellington 6011

4. unimed Health insurance agency in Christchurch, New Zealand

unimed Health insurance New Zealand

They are low-key, and low cost compared with other top health insurance companies, and, because they are a pure Kiwi, not-for-profit mutual society, there are no shareholders in New Zealand or overseas, so no expectations of large profits to pay dividends. It’s this, together with an understated marketing approach, which leaves more money to pay out in work health insurance claims to you, our members.

At UniMed, they appreciate health insurance plans can be confusing and misleading, so here is a quick overview of our different types of health cover, so you can work out what best suits you.

Health Positive

Health Positive provides a choice of 50% or 80% reimbursement for a wide range of everyday health costs up to annual limits.

UniCare Advantage

UniCare Advantage provides a contribution towards some everyday health costs to keep you healthy or if you need to see a specialist or to have diagnostic tests.

Hospital Select

The security of full cover for eligible surgical procedures up to $300,000 per admission and related specialist consultations and diagnostics pre and post surgery (time frames apply).

Hospital Select

  • 100% reimbursement of eligible surgical costs up to $300,000* per year.
  • Specialist consultations and test/investigations associated with surgery or hospital admission.
  • Cover is available for cancer treatment including surgery, radiotherapy and chemotherapy (including Non-Pharmac funded chemotherapy administered while in hospital*).
  • Loyalty benefits including overseas surgery, obesity surgery, and sterilisation procedures.
  • Additional cover is available (when selected) for Specialist consultations and tests/investigations that do not result in surgery or hospital admission.
  • A wide range of additional options including day to day treatment, dental and vision and natural health.

Unimed Insurance New Zealand Company contact information

Industries Insurance
Unimed contact number 0800 600 666
Phone 03 365 4048
Fax 03 365 4066
Unimed Corporate office address 165 Gloucester Street PO Box 1721 Christchurch 8140

5. NIB Group New Zealand

NIB Insurance New Zealand

NIB Group is a reliable international health partner, which makes the members empowered to improve health results through improved decision and more access to affordable health services and information.

As the second largest health insurer in New Zealand, they provide a series of health insurance options for New Zealand companies along with Kavis and their families, who want health insurance for their employees.

NIB purpose is your better health. They are a trusted partner in helping our members and travellers make more informed healthcare decisions, transact with healthcare systems and generally live healthier lives.

Private Hospital

Kiwis with nib Private Hospital cover get fast access to the private health care system. They have made it simple to choose the right hospital cover for you, which is how it should be. Having Standard or Premium Hospital with nib means you are covered for the big things like cancer treatment, surgical procedures and diagnostic investigations, plus a whole lot more.

  • It’s easy to join, or they are here to discuss further if you need it
  • Balance the cost of the cover you need by choosing an option that suits you
  • Cover for most pre-existing conditions after three years 1;
  • The benefits of nib’s First Choice network which can help keep claim costs down and help make more affordable in the long term

What is Everyday health insurance?

NIB Everyday covers are for day-to-day health costs that don’t generally need a hospital visit, like visiting the doctor, buying new glasses, or no-referral physio. You’ll also be covered for visits to the chiropractor as well as remedial massage and acupuncture.

Take out just an Everyday cover or add it to one of our hospital covers. The choice is yours – like it should be!

NIB Insurance New Zealand Company contact information

Industries Insurance
nib contact number 0800 123 642
hours Mon to Fri 8am – 7pm Saturday 9am – 1pm
nib Corporate office address 48 Shortland Street, Auckland CBD, Auckland 1010, New Zealand

6. AIA Group Insurance company new Zeeland

AIA Insurance New Zealand

AIA Group Limited, known as AIA, is an American founded Hong Kong multinational insurance and finance corporation. It is the largest public listed life insurance and securities group in Asia-Pacific.

AIA Group is one of the world’s largest life insurance companies with presence in 18 markets across Asia Pacific. AIA New Zealand Limited is part of the AIA Group and is providing insurance to New Zealanders from 1981.

As a company, with 100 years history, our vision is to help New Zealand create one of the most healthy and most protected nations in the world. They strive to help our customers live healthy, long, better life by encouraging positive lifestyle to change a small step at a time.


  • Life Insurance
  • Health Insurance
  • Income Protection Insurance
  • Business Continuity Cover

They provide a strong, competitive market of personal and professional insurance products designed for Kiwi Lifestyle. As an AIA customer, you can sign up for scientifically supported health and welfare programs, AIA vitality, so that you can earn awards while improving your health.

AIA Insurance New Zealand Company contact information

Industries Insurance
AIA contact number 0800 500 108
overseas +64 9 487 9963
hours Mon-Fri 8am-6pm
AIA Corporate office address AIA House, 74 Taharoto Road,  Takapuna, Auckland 0622 New Zealand

7. Partners Life Life insurance agency in Auckland, New Zealand

Partner life Insurance New Zealand

Partner life is a proudly newly operated business. They started with a humble beginning as a short start in 2011. Since then, life and health insurance has become a recognized industry leader. They focus is on protecting families and businesses.

Partner life focus is on protecting Kiwi families and businesses. People need insurance when their lives are negatively affected by ill-health or death. This can be an incredibly stressful time for them and their families.

By working with independent financial advisers, Partner life customers can be confident that they have insurance tailored to fit them. This gives them the very best chance of getting their claims paid quickly and without any hassles. Partner life insurance products include life insurance, income protection, medical insurance, disability insurance, trauma cover and business risk protection.

Partner life Insurance New Zealand Company contact information

Industries Insurance
Partner life contact number 0800 145 433
overseas +64 995 15020
hours 8.30am – 5pm Monday – Friday
Unimed Corporate office address 33 – 45 Hurstmere Road Takapuna Auckland 0622

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