Health Insurance Comparison
Built by NZ financial advisers · Not a comparison site

See your real cover options in 30 seconds.

Side-by-side premiums and benefits from AIA, Partners Life, and Southern Cross. No sales pitch, no spam.

3 insurers compared
5 excess levels priced
Zero commission bias
1
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
What cover do you want?
6
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
Premiums are indicative. Final pricing is confirmed at application underwriting. Cover and exclusions vary by insurer.
Still deciding? Talk to an adviser first 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.

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.

Body metrics

Family medical history

Tick anything a parent, sibling, or grandparent has had.

Any current medication or recent hospital visit?

Hazardous activities

Any of these regularly?

Annual income (before tax)

What made you start looking?

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

Other things on your mind?

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.