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3Insurers 5Excess levels

Your health cover, priced.

and cover from AIA, Partners Life and Southern Cross, side by side. Fill in the blanks. No email needed to see prices.

Fill in the blanks

I'm , and a . I have . I'm quoting for .

My partner is , and a , with pre-existing conditions.

I want with a .

Aged 31 or over? Book a chat with an adviser and we'll quote you direct.

Your prices

Here's the board.

Your is what you pay towards a claim before the insurer pays. A higher excess means a lower premium. Southern Cross isn't quoted at a $250 excess.

About pre-existing conditions

At application, existing health conditions may be excluded from cover or attract a , depending on the condition and the insurer. The premiums above don't account for this. A Pulse Advice adviser can work out the exact impact for you on a call.

Premiums are indicative. Final pricing is confirmed at application . Cover and exclusions vary by insurer.

*Quality Product Research, an independent New Zealand research firm, rates each insurer's health policy as a percentage. We show it out of 5.

We compare the three health insurers Pulse Advice arranges cover with. Other insurers offer health cover too. If you take out a policy through us, the insurer pays Pulse Advice a commission. See our public disclosure.

When you claim

What each insurer pays out.

$2.545b paid in claims by NZ health insurers in the year to September 2025, across 1.35m health insurance covers (FSC State of the Sector 2026). In January 2025, more than 37,000 patients in the public system had waited longer than the target time for treatment, according to Ministry of Health figures reported by PolicyWise.

Almost there

Let's get you covered.

A handful of details so your adviser can prep your application before the call.

1

Your details

All required.
NZ citizen or permanent resident?
Existing health insurance?
Do you have an insurer in mind?
Your adviser will talk it through with you.
Best time for the adviser to call
2

For your application

Lets your adviser prepare everything before the call.
Your details stay with Pulse Advice and aren't shared with an insurer until we go through your application call.

Height and weight

Insurers use these at .

Family medical history

Tick anything a parent, sibling or grandparent has had. Insurers ask about this at application. Pick "None of these" if nothing applies.

Any current medication or recent hospital visit?

Hazardous activities

Do any of these regularly? Pick "None of these" if nothing applies.

Your adviser uses this to work out how much cover makes sense for you.

Optional

Anything you're worried about, or a moment that prompted this. It helps your adviser plan the call.

Anything else to cover on the call?Optional

Pulse Advice helps with more than health.

By sending, you agree we can contact you about your application. We only share your details with an insurer once you've gone through your application with your adviser. See our privacy policy for how we handle your information.

You're all set.

Your details are with us. Last step: pick a time that suits you, and your Pulse Advice adviser will walk you through the application.

Book my call

Rather not pick a time? We'll call you within one business day on the number you gave us.