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:

Excess is abbreviated to (xs) in the tables.
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.
N/A–not available.

Male & Female–Nil XS
Insurer	Type of Policy	Age 35	Age 45
	Hosp + Spec & Diagnostic Testing
Our NZMedical price	Nil xs	44.63	56.89
Southern Cross		N/A	N/A
Tower	Nil xs	41.30	53.45
AiA	Nil xs	51.11	66.52
ING Life	Nil xs	N/A	N/A
Sovereign	Nil xs	49.04	62.67
State Insurance	Nil xs	N/A	N/A

Male & Female–$100-$300 XS on surgery
Insurer	Type of Policy	Age 35	Age 45
	Hosp + Spec & Diagnostic Testing
Our NZMedical price	$300 xs	36.80	46.64
Southern Cross	$100 xs	26.63	32.99
Tower	$250 xs	36.90	47.65
AiA	$250 xs	47.41	61.59
ING Life	$250 xs on both	30.44	42.68
Sovereign	$300 xs	40.34	51.29
State Ins	$300 xs on both	26.14.	36.53

Male & Female–$500-$600 xs on surgery
Insurer	Type of Policy	Age 35	Age 45
	Hosp + Spec & Diagnostic Testing
Our NZMedical price	$600 xs	33.67	42.55
Southern Cross		N/A	N/A
Tower	$500 xs	32.40	41.95
AiA	$500 xs	43.71	56.68
ING Life	$500 xs surgery & $250 Spec & Diagnostic Testing	27.33	38.48
Sovereign	$600 xs	36.86	46.74
State Ins		N/A	N/A

Male & Female–$1000-$1200 xs on surgery
Insurer	Type of Policy	Age 35	Age 45
	Hosp + Spec & Diagnostic Testing
Our NZMedical price	$1200 xs	30.53	38.45
Southern Cross		N/A	N/A
Tower	$1000 xs	26.25	34.05
AiA	$1000 xs	40.01	51.74
ING Life	$1000 xs surgery & $250 Spec & Diagnostic Testing	23.29	33.08
Sovereign	$1200	33.38	42.18
State Ins		N/A	N/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

For other Insurance products, see:
nzlife.co.nz
goldenlife.co.nz
or adviser.co.nz

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See retire.co.nz

The Costs of Surgery!!

NZMedical.

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