Best Life Insurance Companies

Best Life Insurance Companies of 2025 in New Zealand Top Rated Life Insurance Companies Choosing a life insurance provider involves evaluating key factors like claims reliability, financial strength, and policy benefits. Claims data sheds light on how consistently insurers deliver on their promises. Policies are reviewed to confirm they address diverse customer needs and provide … Read more

Underwriting

Underwriting in life insurance

What is life insurance underwriting? What is Underwriting in life insurance? Underwriting is the process life insurers use to decide if they can offer you coverage and on what terms. It’s how they work out the level of risk you pose before approving your application. The insurer looks at things like: Your age and gender … Read more

Premium Holiday

Premium Holiday Life Insurance

What is Premium Holiday in life Insurance? A Premium Holiday is a built-in feature of some life insurance policies that lets you take a break from paying premiums, without losing your cover. You can usually apply for a premium holiday if: You’ve had the policy in place and paid premiums for at least six months, … Read more

Is Trauma insurance worth it?

Question Is Trauma Insurance Worth It? Answer Yes, trauma insurance is worth it if you struggle financially due to a severe illness diagnosis because trauma insurance can replace your loss of income. When you take out trauma insurance, you’re not just protecting your wallet — you’re protecting your lifestyle, your recovery, and your whānau if … Read more

Income Protection Tax Deductible

Question Is Income Protection Insurance Tax Deductible? Answer Yes, income protection premiums may be allowed as a tax deduction if the insurance pay-out would be taxable. Find the Best Income Protection Plan for You Get free quotes and compare life insurance policies. GET QUOTES Loss of earnings/profits insurance tax deductions A loss of earnings or … Read more

What is a health insurance exclusion

What is a health insurance exclusion? An exclusion is a treatment or medical condition not covered by health insurance. Excluded treatments are listed in the policy, aren’t paid for by the insurer, and don’t count toward the excess. LifeCovered explains the fine print to avoid unexpected costs when they matter most. Having helped hundreds of … Read more

What is health insurance excess?

What is a health insurance excess? What is excess on health insurance? Health insurance excess is the amount you agree to pay out of your own pocket when making a claim. It’s your share of the costs before your insurer covers the rest. You choose the excess amount when you take out your policy – … Read more

Everyday vs Comprehensive Health Insurance

Everyday vs Comprehensive Health Insurance: What’s the Real Difference? The main difference between everyday and comprehensive health insurance is coverage scope. Comprehensive health insurance covers major medical events like surgery, hospitalization, or cancer treatment. Everyday health insurance covers routine healthcare costs such as GP visits, prescriptions, dental, and optical services. When choosing private health insurance, … Read more

Hospital and Surgery Costs in New Zealand​

Hospital and Surgery Costs in New Zealand Health care is big business, and in 2022, New Zealanders paid the price, with health spending reaching $6,061 per person and totalling NZD 46.4 billion, according to the OECD¹. The average per-day cost of a hospital stay in New Zealand can vary, but it’s estimated to be around … Read more

Southern Cross Wellbeing One vs nib Premier Business Health

Southern Cross Wellbeing One vs nib Premier Business Health: Which is better? Southern Cross Wellbeing One vs nib Premier Business Health: Both offer similar group health insurance benefits, but NIB Premier Health stands out. nib Premier Business Health covers diagnostic imaging without the 6-month or related surgery limits seen in Wellbeing One. Plus, cancer treatment … Read more