Health Insurance
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Protect Your Health and Your Future
Your health is your greatest asset — and protecting it shouldn’t come with uncertainty or long delays. In New Zealand, our public healthcare system provides excellent emergency and essential care, but non-urgent surgeries, diagnostic tests, and specialist appointments often have long waiting lists.
That’s where private medical insurance comes in. Having health insurance gives you the freedom to choose when and where you receive care — and peace of mind knowing you can access the best treatment without worrying about unexpected costs.
At Global Finance, we help you find the right medical insurance plan to suit your needs, lifestyle, and budget. Whether you’re looking for individual cover, family protection, or specialised health benefits, we’ll simplify the process and help you get the right cover.
What Does Medical Insurance Typically Cover?
Even with New Zealand’s public healthcare system, there are many good reasons to have private health insurance:
Faster treatment
- Avoid long public waitlists for elective surgeries and specialist care.
Freedom of choice
- Choose your own doctor, specialist, or hospital that fits your preferences.
Comprehensive coverage
- Access a wider range of treatments, diagnostic tests, and non-pharmac-funded medicines.
Peace of mind
- Focus on recovery instead of worrying about how to pay large medical bills.
Better financial planning
- Spread medical costs over time with predictable premiums instead of unpredictable expenses.
Features may vary depending on the policy wording and terms & conditions by each respective insurer.
What Does Medical Insurance Typically Cover?
Every insurer offers slightly different plans, but most medical insurance policies in New Zealand include the following key areas of protection:
| Coverage Area | What’s Included | Additional Details |
|---|---|---|
| Hospital & Surgical Costs | Surgeon and anaesthetist fees, hospital accommodation, and theatre charges | Coverage limits vary between policies |
| Specialist Consultations | Private specialist visits and follow-ups after GP referral | May include post-treatment reviews |
| Diagnostic Testing | MRI, CT, X-rays, ultrasounds, and laboratory tests | Often requires prior approval |
| Pre- & Post-operative Care | Physiotherapy, medications, and rehabilitation after covered surgery | Must be related to an approved procedure |
| Non-Pharmac Medications | Access to certain high-cost or specialist drugs not funded by Pharmac | Subject to policy terms and limits |
| Overseas Treatment | Treatment for procedures unavailable in New Zealand | Only applies to selected comprehensive policies |
What Isn’t Covered?
Some medical insurance policies may exclude:
Cover Limitations for Existing Health Conditions
Pre-existing conditions (either permanently or for a set waiting period)
Everyday Health Costs Not Included
Routine GP visits, dental, and optical (unless optional extras are added)
Exclusions for Experimental & Cosmetic Procedures
Experimental or non-approved treatments & Cosmetic procedures
Why Choose Global Finance?
Tailored Cover That Fits Your Life
We work with New Zealand’s leading insurers to obtain medical insurance that matches your lifestyle, health history, and family needs —so you only pay for the protection that is right for you.
Simple Guidance on the Right Plan
Our advisers compare cover options, waiting periods, exclusions, and limits to help you confidently choose between specialist care, hospital plans, or top-up cover that suits your budget and future health needs.
More Benefits, More Choice
We help you access specialist consultations, diagnostic tests, non-PHARMAC drug cover, and optional dental or optical benefits — giving you faster treatment, more specialist choice, and stronger financial support.
Support From Start to Claim
From assisting with disclosures and policy structuring to providing guidance during the claims process, we support you with documentation and liaise with insurers to help facilitate the process.
Frequently Asked Questions
Most private health policies let you select your preferred specialist and hospital.
Some comprehensive plans include overseas treatment if it’s unavailable in New Zealand.
Yes, you can usually add your partner or children at any time, subject to underwriting.
Pre-existing medical conditions may be excluded or subject to special terms when a policy is issued, depending on the insurer’s underwriting assessment. In some cases, insurers may review certain exclusions after a period of time and may consider providing cover for the condition if specific criteria are met. However, some conditions may remain permanently excluded, depending on the nature of the condition and the policy terms.
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While we're proud of the awards we've received over the years, our greatest achievement is helping customers achieve their financial goals with confidence.
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Head Office
Kudos Business Centre18-22 / 203 Kirkbride Road,
Airport Oaks, Auckland 2022
Call 09 255 5500
Email info@globalfinance.co.nz