Online Insurance for Kiwis

Cost Analysis

The Quote Calculator below enables you to work out the cost of your chosen medical insurance plan.

 Life 1Life 2
Insurance Plan
Hospital Cover only
Hospital and Plus (Specialists/Tests) with no excess for Plus
Hospital and Plus (Specialists/Tests) with $250 excess for Plus (reducing Plus cost by 20%)
Select excess required for Hospital cover Nil
Number of children under 21
Policy Fee$6.28


Total Cost
per month
or, per fortnight
or, per annum
  • The minimum total premium is $15 per month. (We recommend you consider changing the selected excess to optimise your premium cost).
  • Premiums increase annually on the policy anniversary based on age.
  • Calculation Revision 2014-10-22-0217
medical insurance provided within New Zealand by Sovereign
What are the differences in Plans?
Hospital Cover provides for claims due to hospital surgery and hospital bills due to other illness. These include up to $300,000 per year per person for:
  • Surgical costs including surgeon's fees and anaesthetist fees
  • Hospital charges in relation to confinements required for medical illness or surgery

The Plus option allows for claims due to visits to Specialist or Diagnostic Testing if referred by a GP, without necessarily requiring Hospital treatment.

A DISTINCT EXCESS of either $0 or $250 applies to the Plus benefits.

See Benefits for further detail.

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