Health Insurance

Why do I need health insurance in New Zealand?

New Zealand public healthcare system help Kiwis a lot, however it’s not perfect. If a person needs a non-emergency medical service, such as consultation, tests, elective surgery, this person may have to wait for a long. 


With health insurance, this person can avoid this and get the care and treatment you deserve in a timely manner. In addition to this, health insurance could also cover some medical procedures which are not funded by government, for example some expensive Non-Pharmac drugs.


We can provide a suitable plan and quote for you, based on our strong product providers, including,

AIA | Partners Life | Nib



What does New Zealand health insurance cover?

  • Health insurance safeguards our access to New Zealand's private healthcare resources. When facing illness, it allows us to bypass the potential long wait times, offering the flexibility to seek medical care independently and select superior medical services. On the market, a comprehensive health insurance policy typically encompasses two main components:

Component 1: Main Coverage Area (Common coverage items as follows)

In this section, we can adjust the regular premium by choosing an “excess fee.” The excess fee is the amount we need to pay out-of-pocket when making a claim, also known as the deductible or co-payment. Opting for a higher excess fee results in lower regular premiums, and vice versa.


  • Surgical-related costs
  • Hospitalization or non-surgical treatment expenses
  • Significant diagnostic examinations
  • In-hospital specialists, assessments
  • Cancer coverage
  • Non-Pharmac Drugs
  • Overseas medical treatment
  • Various allowances, etc.
Component 2: Outpatient or Non-hospitalization Section (Common coverage items as follows)

This section is where claims are most frequently made in the claims experience. The excess fee for this part is different from that of the main coverage area. Some companies offer a $0 excess fee, while others have a fixed excess fee. For more details, please inquire with Ruissheng Insurance.


  • Outpatient specialist consultation fees
  • Various outpatient expenses
  • Certain allowances
  • Some special benefits

How to buy insurance in New Zealand? ——Contact JIC Insurance

In New Zealand, purchasing insurance is an important and cautious decision for buyers; for sellers, the Financial Markets Authority has set comprehensive licensing requirements and sales processes. Typically, policyholders can seek assistance from registered Financial Advisers, such as contacting us at JIC Insurance New Zealand. Our insurance advisors will help policyholders clarify risks and needs, thereby designing plans, comparing products and prices, and explaining policy terms for them. Once policyholders confirm the plan, insurance advisors will assist them in completing the application process. *In the above process, Ruissheng Insurance New Zealand does not charge any service fees to any policyholders. Additionally, customers who insure through us enjoy subsequent Mandarin claim services, which are also free of charge.

AIA Health Insurance


AIA is a member of the AIA Group, an international insurance titan that entered New Zealand in 1981 and acquired Sovereign, the largest life insurance company in New Zealand. Over a century, AIA has grown into an international insurance giant, operating across 18 regions in the Asia-Pacific, ranked among the Fortune Global 500, positioned as the 6th most valuable insurance brand globally, and repeatedly recognized as the world’s largest life insurance group, with total policy value exceeding 2 trillion US dollars. AIA New Zealand’s offerings include Health Insurance, Life Insurance, Trauma Insurance, TPD, Income or Mortgage Protection

Partners Life Insurance

Partners Life, the fastest-growing insurance company in New Zealand, is also a member of the international insurance group Dai-ichi Life. Upholding the principles of providing independent insurance advice and crafting superior terms, Partners Life has won the favor of the New Zealand public. In recent years, Partners Life has also acquired the insurance business of BNZ Bank in New Zealand, further strengthening its capabilities. Its parent company, Dai-ichi Life Group, is a historic and robust insurance family established in 1902, with operations spanning across Asia-Pacific, the United States, Europe, and more, ranking among the Fortune Global 500.

NIB Health Insurance


Originating from Australia, NIB is a healthcare insurance company established in 1952 in New South Wales, Australia, and has been serving for over 70 years. It provides coverage to 1.4 million customers across Australia and New Zealand. In New Zealand, NIB has successively acquired the medical insurance business of Tower New Zealand, OnePath (which was under ANZ Insurance at the time), and in 2022 acquired Kiwi Insurance Limited, further strengthening its operations in New Zealand. NIB is also the naming sponsor of the Auckland rugby team. NIB is one of the leading medical insurance companies in New Zealand.

How to make a claim for Health insurance?

In New Zealand, medical insurance claims can generally be divided into two scenarios:



When we obtain a referral letter for the next medical service, we can initiate a pre-approval request. Once the insurance company reviews and finds no errors, they send back a pre-approval letter. Having a pre-approval letter means that the issue is confirmed for claim coverage, and many clinics or hospitals, upon seeing a pre-approval letter, can directly bill the insurance company.

It’s important to note for pre-approval, provide a comprehensive referral letter, and try to include the appointment time and quote for the recommended medical service (which can be obtained from the clinic or hospital you plan to visit).


Post-service Claim Receipts

If the policyholder is certain that the issue to be claimed is covered and there might not be enough time for pre-approval, they can proceed to receive the medical service and pay out-of-pocket. Then, they can claim later with the receipt, referral letter, and medical records.

Health Insurance



Frequently Q&A

? Why the health insurance is important?

Our public health system could do a good job for urgent medical service, however, relying on the public system for conditions that are non-urgent could result in long waiting lists and delayed treatment.​ In New Zealand at any one time there can be around 110,000 people waiting for surgery [1]. Health insurance can help people jump from the potential long waiting list and right treatment at an early time. In addition to this, some kinds of medical service are not covered by public health system. For example, the Non-Pharmac drugs for cancer treatments which could cost $60,000 to $500,000 per year [2]. [1] [2]

? When should I take the insurance?

Today is always better than tomorrow. We can not predict when risks will occur. Meanwhile, taking the insurance at an early age can help the insured avoid exclusions from pre-existing conditions.

? How to take the health insurance?

First of all, you should have a talk with an insurance advisor. Your advisor will give you advice based on your personal situations. Your advisor can also help you clearly understand features and terms of a product. Then, once you do the final choice, your advisor will help you complete application of insurance. The advisor will also be responsible for your claim and review.

? Which health insurance is the best?

There are many insurers in NZ, such as AIA, NIB, Partners Life etc. We cann't use "the best" for descriping any product. Each company's plan has its unquire features and benefits. The premium is also variable. People should choose products based on their budget, needs and special focus. Talking with an advisor is the best way to understand products.

? Do I need medical test before purchasing insurance?

Depends on the health situation. We need to disclose any pre-existing conditions to the insurer. If the insured person is very healthy, the medical test is usually waived. If the insured person has some pre-existing conditions, but the insured person can disclose details or provide medical report, the medical test may be waived. Conversely, if the insured couldn't disclose details or provide report, or the insurer wants to know the up to date healthy situation, the medial test could be applied.

? Is there a waiting period of health insurance?

As long as your condition (not a general exclusion or an underwriting exclusion) originally happens after the commencement date, you can make a claim. Please carfully disclose your pre-existing conditions in application form.



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