Private health insurance is not a necessity in New Zealand as the government
provides a public health service. As the scheme is funded for New Zealand residents,
people who are not permanent residents can be charged for their healthcare.
In anycase, there is often a shortfall between the amount of the refund from
the public health service and the actual cost. While this sum may be small for
some services (for example, a visit to a GP), for major surgery the shortfall
may be very large and therefore many residents choose to complement the state
scheme with private insurance.
There are many companies in New Zealand that offer healthcare and it will depend
on the risk you want to cover and your financial capabilities: medical insurance
products range from expensive comprehensive plans to budget hospital only plans.
Below is a list of some of the most popular insurance companies:
Travel Insurance can help protect you while you are away. Some popular companies
include: Travel Guard
and Insure My Trip.