Health Insurance Premium Estimator
Indicative monthly health cover premium for NZ.
Indicative monthly premium
$103.59
| Monthly premium | $103.59 |
|---|---|
| Annual premium | $1,243.13 |
About this calculator
Indicative monthly premium for NZ private health cover. The big drivers are age, smoker status, the level of cover and the excess you accept.
- Hospital-only cover — surgical and inpatient costs, no GP / specialist consults.
- Comprehensive — adds specialist consults, diagnostic imaging, sometimes dental.
- Top — adds optical, GP visits, mental health and overseas treatment in some plans.
Frequently asked questions
Are premiums tax-deductible?
Not for individuals. Employer-paid premiums are subject to FBT.
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Calculator NZ provides general information only. For decisions with significant financial, medical or legal consequence please consult a qualified professional.