Health Insurance Comparison
Built by NZ financial advisers. Live premiums, no email required.

See your real cover options in 30 seconds.

Side-by-side premiums and benefits from AIA, Partners Life, and Southern Cross. Real numbers, no spam.

3 insurers compared
5 excess levels priced
Premiums refreshed monthly
1
This tool prices cover for ages 18-30. Aged 31 or over? Book a chat with an adviser and we'll quote you direct.
2
Gender
3
Do you smoke?
4
Any pre-existing health conditions?
Things like asthma, anxiety, a recent injury, ongoing medication. Be honest. It helps us point you to the right cover.
5
Quoting for a partner too?
We'll show premiums for you, for them, and the combined cost.
About your partner Same questions, separate underwriting.
Partner's gender
Does your partner smoke?
Pre-existing conditions for your partner?
6
What cover do you want?
7
How much excess?
Higher excess = lower premium. Southern Cross doesn't offer $250.

Here are your options

Premium across all excess levels

Hover or tap a bar for the exact figure.
Your pick: $500
Showing premiums at $500 excess
Premiums are indicative. Final pricing is confirmed at application underwriting. Cover and exclusions vary by insurer.

Ready to take out cover?

Apply through Pulse Advice. We'll prep your application and confirm your exact premium with the insurer before anything is locked in.

Want to chat first? Talk to an adviser Free chat. No obligation. Book a chat →

Factual comparison only. Premiums shown are indicative and may change at application underwriting. This tool is not personal financial advice. For a tailored recommendation, book a chat with a Pulse Advice adviser.

For how Pulse Advice is paid and the scope of insurers we compare, see our public disclosure.

Almost there

Let's get you covered.

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

1

Your details

All required.
2

For your application

Lets your adviser prep your Fact Find, Needs Analysis, and Statement of Advice before the call.
Your details stay with Pulse Advice and aren't shared with an insurer until we go through your application call.

Body metrics

Used for underwriting and BMI calculations.

Family medical historyiInsurers use family history to assess your risk for hereditary conditions like cancer, heart disease, and diabetes. Knowing this upfront means the adviser can flag potential loadings or exclusions before you apply, so there are no surprises.

Tick anything a parent, sibling, or grandparent has had. Pick "None of these" if not applicable.

Any current medication or recent hospital visit?

Hazardous activities

Any of these regularly? Pick "None of these" if not applicable.

Annual income (before tax)iIncome sizes the cover you need. Life cover is typically 2 years' income plus your mortgage, income protection is 75% of income, and trauma sizing depends on your earnings too. Your adviser can't recommend cover amounts without it.

What made you start looking? Optional

Anything specific you're worried about, or a moment that prompted this? Helps your adviser personalise the call.

Other things on your mind? Optional

Tick anything you'd like the adviser to cover on the call. Pulse Advice helps with more than health.

By continuing, you agree we can contact you about your application. We never share your details. 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

Don't want to pick a time? No worries, we'll call you within 24 business hours on the number you gave us.

P
Pulse Advice Helper
Replies instantly · Factual answers only
Hi 👋 Ask me anything about how these policies work: excess, what's covered, the differences between insurers. I won't recommend a specific policy though. That's what an adviser is for.