NZMedical.

Online Insurance for Kiwis

Compare Costs

The cost of monthly premiums for similar Medical Insurance Hospital and Specialist and Test plans from a variety of sources is listed below.

Abbreviations in the tables below:

  1. Excess is abbreviated to (xs) in the tables.
  2. Some insurers apply the excess to both Hospital and Spec and Diagnostic Testing benefits (xs on both). For example– Sovereign does not apply an excess to the Specialist and Diagnostic Diagnostic Testing option, others do which increases your cost during claims.
  3. N/A–not available.
Male & Female–Nil XS
InsurerType of PolicyAge 35Age 45
 Hosp + Spec & Diagnostic Testing  
Our NZMedical priceNil xs44.6356.89
Southern Cross N/AN/A
TowerNil xs41.3053.45
AiANil xs51.1166.52
ING LifeNil xsN/AN/A
SovereignNil xs49.0462.67
State InsuranceNil xsN/AN/A
 
Male & Female–$100-$300 XS on surgery
InsurerType of PolicyAge 35Age 45
 Hosp + Spec & Diagnostic Testing  
Our NZMedical price$300 xs36.8046.64
Southern Cross$100 xs26.6332.99
Tower$250 xs36.9047.65
AiA$250 xs47.4161.59
ING Life$250 xs on both30.4442.68
Sovereign $300 xs40.3451.29
State Ins$300 xs on both26.14.36.53
 
Male & Female–$500-$600 xs on surgery
InsurerType of PolicyAge 35Age 45
 Hosp + Spec & Diagnostic Testing  
Our NZMedical price$600 xs33.6742.55
Southern Cross N/AN/A
Tower$500 xs32.4041.95
AiA$500 xs43.7156.68
ING Life$500 xs surgery & $250 Spec & Diagnostic Testing27.3338.48
Sovereign$600 xs36.8646.74
State Ins N/AN/A
 
Male & Female–$1000-$1200 xs on surgery
InsurerType of PolicyAge 35Age 45
 Hosp + Spec & Diagnostic Testing  
Our NZMedical price$1200 xs30.5338.45
Southern Cross N/AN/A
Tower$1000 xs26.2534.05
AiA$1000 xs40.0151.74
ING Life$1000 xs surgery & $250 Spec & Diagnostic Testing23.2933.08
Sovereign $120033.3842.18
State Ins N/AN/A

If you have existing policies, compare the costs, you could save considerable $. Use the Calculator. We strongly recommend that you do not cancel any existing policies until you receive your new policies.

Last updated October 2006