Yes! Our service is completely free to use. We make money through commissions from insurers when you choose a policy through our platform, but this does not affect your premiums.

In New Zealand, health insurance provides access to private healthcare services by covering the costs that the public system (funded by the government) may not fully provide or that involve long wait times.

Public health is free but can involve long wait times; private cover offers faster access to care.

Private insurance helps you avoid delays and access treatments not fully funded by the public system.

Some policies exclude pre-existing conditions, others may cover them after a waiting period.

Costs vary based on age, health, and coverage. Get a personalised quote for accurate pricing.

Life insurance pays a lump sum if you pass away or are receive a terminal illness diagnosis where you are unlikely to survive for more than 12 months.

It depends on your income, debts, dependents, and future financial goals.

No, life insurance payouts are generally tax-free in NZ.

Yes, though premiums may be higher and exclusions may apply depending on what the health issues relate to.