Health Insurance

InsureSmart Health Insurance

As private hospitals continue to develop, and unfortunately public hospital waiting lists continue to grow, more New Zealanders are taking out health insurance to ensure they have freedom of choice and comfort to receive essential treatment.

The Accident Compensation Corporation (ACC) covers treatment costs for cases determined as 'accidents', including medical misadventure, for all people legally in New Zealand. The costs for all these treatments are recovered via levies on employers, employees and some other sources such as car registration.

Due to the extensive and high-quality nature of the public health system, citizens or permanent residents of New Zealand are treated free of charge, however the surgical procedures which are difficult, elective or costly often mean long waiting list delays unless the treatment is medically urgent. Because of this health insurance providers in New Zealand fund operations and treatments for their members privately.

Many people find themselves unprepared when a medical condition arises. It can not only affect you financially, but can also have an impact on work and family life.

The diagnosis of an illness and any subsequent surgery can be a very stressful, and the last thing you need is the additional worry of large medical bills.

With the right Health insurance, you can avoid the waiting times often associated with the public system which will enable you to avoid a reduced quality of life and deteriorating health while waiting for treatment. Furthermore, you will be back to an income earning capacity sooner, allowing you to continue to support your family and pay your bills.

If you or a member of your family became ill, perhaps seriously, wouldn’t you want access to expert care, when and where it suits you? Only private health insurance in NZ can give you that assurance.

A Health Insurance policy will reimburse you up to 100% of your charges, depending on the options that you choose. There are many different levels of cover available and a health care package can be easily tailored to suit you and your family.


  • Ground Floor, Unit 3, 46 Acheron Drive
    PO Box 31078, Ilam
    Christchurch 8444


Contact us today
  • Phone: 03 357 0196