Why health insurance



​Covering you through life - whenever you need it

Health insurance is about getting treatment quickly and with the best people looking after you. Wherever you are in life, health insurance helps keep your overall health on track.

When we're younger we all feel a bit invincible. But what would happen if you needed some expensive oral surgery, like having wisdom teeth removed? Or if you needed knee surgery? Would your lifestyle take a hit if you had to pay out for these?



Having a baby can make the need for health cover even greater. Did you know that 1 in 3 couples in their thirties with a young child will claim on their policy in any given year?* You can even get your little ones covered under your policy, and if they’re under 3 months old they’re automatically accepted.



As we get older, health insurance helps to take care of the big stuff. It means you won’t have to wait for surgery and it gives you options that only the best insurers offer, like being able to choose your specialist or hospital.




To find out how little health insurance can cost you, use our health insurance calculator on the right or speak to an adviser. If you're ready to apply, you can also apply online.


What about the public health system?

The New Zealand public health system provides quality emergency care and treatment for serious medical conditions. However, waiting times for non-urgent medical conditions can often be lengthy, which can have a significant impact on lifestyle. And if your condition isn’t accident-related, ACC won’t be there to cover you.

Treatment can also be expensive. An adult without health insurance could typically pay up to $29,000 for sinus surgery, $17,000 for hernia repair, $19,500 for a mastectomy, or $43,000 for a cardiac ablation.** For most of us, these amounts are more than we could pay from our savings. That’s where health insurance comes in.

Why insure with Sovereign?


What next

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* Health Funds Association of New Zealand major medical incidence and claim rates June 2015

** Sovereign Health Claims Data, 1 July 2016 - 30 June 2017

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The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.​