Group health insurance for company employees

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With Policywise

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Here's what our customers say about us

These reviews are embedded here from Reviews.io, an independent third party website, so you can know that what you see is exactly what our customers have written, unfiltered by us.

{total=53, items=[{firstname=Sandra, reviews_io_company_comments=We are incredibly grateful for the support we received from the team at PolicyWise. When NIB declined my partner’s claim for urgently needed neck surgery, we felt overwhelmed and unsure where to turn. Because we had arranged our policy through PolicyWise, we had someone in our corner who was willing to investigate the original application, listen to our concerns, and advocate on our behalf. Calum took the time to understand the circumstances, reviewed the underwriting process, and challenged NIB where things didn’t appear to add up. Throughout the process, we felt heard, supported, and kept informed. Thanks to PolicyWise’s persistence and willingness to champion our case, NIB ultimately overturned their decision. Having an adviser who doesn’t disappear once the policy is in place is invaluable. We can’t thank Calum and the PolicyWise team enough for their professionalism, integrity, and genuine commitment to their clients. We would highly recommend PolicyWise to anyone looking for advisers who will not only help you choose the right insurance but will also stand beside you when you need them most., reviews_io_company_date_created=1785917109000, reviews_io_company_rating=5}, {firstname=Jackie, reviews_io_company_comments=Was a pleasure to deal with Policy wise very professional and thorough., reviews_io_company_date_created=1785824605000, reviews_io_company_rating=5}, {firstname=Hussan, reviews_io_company_comments=Had excellent experience with policy wise. Chakradhar Mukkala Was very helpful and explained everything as I needed., reviews_io_company_date_created=1783816193000, reviews_io_company_rating=5}, {firstname=Joy, reviews_io_company_comments=Cooper assisted me when changing from workplace medical insurance to self-funded when I retired. Excellent service - he took the time to understand my family needs and very quickly provided me with a choice of suitable providers. During the actual changeover he also provided good service by liaising directly with the new provider to ensure seamless coverage. Highly recommend Policywise. , reviews_io_company_date_created=1783669039000, reviews_io_company_rating=5}, {firstname=Siti, reviews_io_company_comments=I was assisted fully to make a clear decision making on which insurance would benefit me the most, reviews_io_company_date_created=1781060336000, reviews_io_company_rating=5}, {firstname=Joanne, reviews_io_company_comments=Excellent serivce, very support. Answered all the questions l was unsure about, couldn't be more helpful., reviews_io_company_date_created=1780901538000, reviews_io_company_rating=5}, {firstname=Monya, reviews_io_company_comments=Jared was amazing at getting my health cover sorted! He was efficient and friendly with clear and consistent follow up communication. Definitely made the process effortless., reviews_io_company_date_created=1780641917000, reviews_io_company_rating=5}, {firstname=Jonathan, reviews_io_company_comments=Honestly - fantastic. Rachel Whitton was so wonderful and helpful to work with., reviews_io_company_date_created=1777586466000, reviews_io_company_rating=5}, {firstname=Evette, reviews_io_company_comments=Policywise consultant Chakra was amazing with explaining in detail - the policy I purchased. He compared couple of other insurance options for my needs and assisted with the best possible solution. Quick turnaround with purchasing the policy and queries answered. , reviews_io_company_date_created=1775095951000, reviews_io_company_rating=5}, {firstname=Kasun, reviews_io_company_comments=Chakradhar at Policywise provided fantastic service when I was looking for the right insurance policy. He took the time to understand my needs and found me the best suitable policy with excellent coverage. His customer service was outstanding — friendly, clear, and professional from start to finish. The follow-up was also excellent, with regular check-ins to make sure everything was in order. I felt very well looked after. Highly recommend Chakradhar and Policywise to anyone needing reliable insurance advice in NZ!, reviews_io_company_date_created=1774856018000, reviews_io_company_rating=5}]}

Sandra
2026-08-05
0 months

Jackie
2026-08-04
0 months

Hussan
2026-07-12
1 month

Joy
2026-07-10
1 month

Siti
2026-06-10
2 months

Joanne
2026-06-08
2 months

Monya
2026-06-05
2 months

Jonathan
2026-04-30
4 months

Evette
2026-04-02
4 months

Kasun
2026-03-30
5 months

Excellent

Sandra

Verified Customer

We are incredibly grateful for the support we received from the team at PolicyWise. When NIB declined my partner’s claim for urgently needed neck surgery, we felt overwhelmed and unsure where to turn. Because we had arranged our policy through PolicyWise, we had someone in our corner who was willing to investigate the original application, listen to our concerns, and advocate on our behalf. Calum took the time to understand the circumstances, reviewed the underwriting process, and challenged NIB where things didn’t appear to add up. Throughout the process, we felt heard, supported, and kept informed. Thanks to PolicyWise’s persistence and willingness to champion our case, NIB ultimately overturned their decision. Having an adviser who doesn’t disappear once the policy is in place is invaluable. We can’t thank Calum and the PolicyWise team enough for their professionalism, integrity, and genuine commitment to their clients. We would highly recommend PolicyWise to anyone looking for advisers who will not only help you choose the right insurance but will also stand beside you when you need them most.

Jackie

Verified Customer

Was a pleasure to deal with Policy wise very professional and thorough.

Hussan

Verified Customer

Had excellent experience with policy wise. Chakradhar Mukkala Was very helpful and explained everything as I needed.

Joy

Verified Customer

Cooper assisted me when changing from workplace medical insurance to self-funded when I retired. Excellent service - he took the time to understand my family needs and very quickly provided me with a choice of suitable providers. During the actual changeover he also provided good service by liaising directly with the new provider to ensure seamless coverage. Highly recommend Policywise.

Siti

Verified Customer

I was assisted fully to make a clear decision making on which insurance would benefit me the most

Joanne

Verified Customer

Excellent serivce, very support. Answered all the questions l was unsure about, couldn't be more helpful.

Monya

Verified Customer

Jared was amazing at getting my health cover sorted! He was efficient and friendly with clear and consistent follow up communication. Definitely made the process effortless.

Jonathan

Verified Customer

Honestly - fantastic. Rachel Whitton was so wonderful and helpful to work with.

Evette

Verified Customer

Policywise consultant Chakra was amazing with explaining in detail - the policy I purchased. He compared couple of other insurance options for my needs and assisted with the best possible solution. Quick turnaround with purchasing the policy and queries answered.

Kasun

Verified Customer

Chakradhar at Policywise provided fantastic service when I was looking for the right insurance policy. He took the time to understand my needs and found me the best suitable policy with excellent coverage. His customer service was outstanding — friendly, clear, and professional from start to finish. The follow-up was also excellent, with regular check-ins to make sure everything was in order. I felt very well looked after. Highly recommend Chakradhar and Policywise to anyone needing reliable insurance advice in NZ!

What is company health insurance?

Company health insurance, also called group health insurance, enables small to large businesses to provide private medical benefits to their employees.

Health insurers typically require that businesses enrol at least five full-time staff members to qualify for group health insurance.

How does group health insurance benefit your business?

Offering group health insurance is not just a perk for your employees, it’s a strategic investment in the future of your business. Company health insurance also acts as an efficiency incentive for both employer and employee, working in a mutually productive way.

Here’s how providing employee insurance benefits can significantly strengthen your company:

Improved employee retention

Prioritising employee wellbeing helps build trust and loyalty. Employees who feel valued are less likely to resign, saving your business the costs of productivity loss, recruitment, and staff training.

Enhanced company reputation

In today’s competitive job market, top talent is drawn to businesses that offer strong employment packages. A well-regarded benefits programme, including comprehensive health insurance, can position your company as an employer of choice, helping you attract and retain the best candidates.

Increased productivity

Healthy employees are productive employees. Group medical insurance provides your staff quick access to quality healthcare, reducing time off work due to illness. Many company insurance plans also include preventive care, helping employees stay well and avoid serious health issues that could lead to long-term absences.

How does group health insurance help your employees?

Providing your employees with private health insurance can significantly enhance their quality of life, professionally and personally. Here’s how offering insurance through your company can make a real difference to your valuable staff and their families:

Reduced out-of-pocket costs

With a group health plan, many medical expenses are covered, meaning your employees pay less - sometimes nothing at all - when they need healthcare. Some group health insurance plans in New Zealand cover up to 100% of costs for certain treatments - a great boon to employees when times are tough.

Financial security

For many employees, a single unexpected medical expense can lead to financial hardship. By meeting a significant portion of their healthcare costs, group health insurance provides a safety net that protects your employees from the financial strain of accessing medical care and taking time off work to recover.

Peace of mind

One of the most positive benefits of group health insurance is peace of mind, allowing employees to feel secure in the knowledge that they’ll be covered in the event of a critical illness or injury and endure much shorter wait times. This security is especially important for those with families, as some plans also cover loved ones.

Comprehensive cover

Company health insurance provides your employees with excellent benefits. These can include covering the costs of major diagnostic tests, in-patient care in private hospitals, surgeries, and non-surgical cancer treatments, like radiotherapy or chemotherapy.

Customisation options

Businesses can tailor health insurance plans to meet the specific needs of their employees. This could include adding cover for dental, optical, GP visits, nurse visits, and adjunct services, such as physiotherapy, chiropractic, osteopathic, and complementary medicine.

What do employee health insurance plans cover?

Depending on your chosen insurer and plan, group insurance can cover:

Benefits	Accuro	nib	Southern Cross
Non-surgical cancer treatment	$60,000 to $300,000	$200,000	Up to $60,000
General surgery	$200,000 to $500,000	$300,000	Starts at $100,000 per operation
Private hospital medical benefits	$65,000 to $300,000	Included under surgical and non-surgical benefits	Up to $60,000

^{*Please note: Prices on the table are as of the date of writing. Terms and conditions, as well as exclusions, apply to all group insurance products. It's important to review your policy carefully to understand the specific terms of cover and any limitations. This ensures that you have a clear understanding of the protection provided by each product. If you have any questions or would like some help finding the right group insurance policy, book a callback with a Policywise adviser; it's fast and free.}

Optional add-ons: Extra cover can be added to the policy (at extra cost), such as:

GP and specialist consultations, nurse visits, and diagnostic tests
Dental and optical care, and wellness programmes
Non-Pharmac-funded drugs: Medsafe-approved medications prescribed by a healthcare professional
Preventive care, such as routine wellness checks, vaccinations, and health screenings.

How much does company health insurance cost?

The cost of company health insurance depends on several key factors:

Number of employees: Generally, the more employees included in the plan, the lower the cost.
Cover structure: Whether the cost is fully employer-funded or partially subsidised.
Type of cover: Comprehensive plans that cover high-cost medical services are more expensive than plans that cover only basic healthcare needs.
Age: A workforce with a higher average age may have higher premiums due to increased healthcare needs.
Gender: Groups with more women may have higher premiums

Who pays the group cover premium - business owner or employee?

Companies can choose their preferred payment arrangement:

Employer-paid premiums: Businesses cover the entire premium cost as part of their employee benefits package. This greatly incentivises staff retention.
Shared contribution: Under this split arrangement, employers pay a portion of the premium and employees cover the rest through payroll deductions.
Optional add-ons: Employees may choose to add extra cover, such as dental or optical, which they pay for themselves. This allows employees more control and flexibility in meeting their individual healthcare needs.

How to get a free group health insurance quote comparison

For an accurate group health insurance quote, contact an experienced insurance broker, such as Policywise. Policywise can help you find the best deals for group health insurance. We simply need a few details about your team:

Name (optional)
Date of birth
Gender

Share this information with us, and we’ll promptly generate quote comparisons tailored to your workforce’s needs.

Why trust Policywise as your company's health insurance broker?

Choosing the right group health insurance for your company is important, and working with Policywise can make all the difference. Here’s why partnering with us can simplify company health insurance selection for you:

Expert guidance and tailored solutions

Policywise provides expert advice specific to your business needs. Unlike dealing directly with insurers, we offer comprehensive market knowledge, comparing multiple options to secure the best cover at competitive rates.

Time and cost efficiency

Navigating group health insurance can be time-consuming and overwhelming. Policywise simplifies this by researching, comparing, and negotiating with insurers to get you the best deal, saving you time and securing the most value for your investment.

Ongoing support and advocacy

Policywise helps you find the right group health insurance product and provides ongoing support throughout the life of your policy. From handling claims to making adjustments as your business grows, Policywise advocates on your behalf.

Why trust Policywise?

Policywise is licenced by the Financial Markets Authority (FSP715811) and operates with the highest standards of professionalism and integrity.

With a strong track record of helping New Zealand businesses secure the best employee insurance cover, Policywise has earned a reputation for reliability and excellence. With their experience, your company’s group health insurance is in capable hands.

Important Disclaimer: The information on this website is general in nature and does not consider your personal situation. It is not intended as a definitive financial guide. Before making any insurance decisions, we recommend speaking with a licenced Policywise adviser.

Policywise advisers are licenced by the Financial Markets Authority to give financial advice on health, life, and disability insurance. For more, see our Public Disclosure page.

All insurance is subject to insurer approval. Policies may include stand-down periods, exclusions, terms and conditions, and premium loadings not listed here. Optional (add-on) benefits come at an extra cost. Please refer to the relevant policy document for full and current details, as insurers may update these at any time.

Product pages on this site are summaries only. In the case of any difference between website content and the insurer’s official policy wording, the insurer’s wording will apply.

Why choose Policywise as your group health insurance broker

	POLICYWISE™	Other comparison sites	Traditional brokers	Banks	Insurers (going direct)
Completely free service	Yes	Yes	Yes	Yes	Yes
Quotes from 8 of NZ’s leading insurers	Yes	Some*	Some*	No*	No
Tailored recommendations fitted to your needs	Yes	No	Yes	No*	No
Detailed quote comparisons	Yes	No	Some*	No	No
Comparisons based on third-party research	Yes	Some	Yes	No	No
Fast & efficient process	Yes	Yes	Some*	Yes	Some
Independent claims support & advocacy	Yes	Some	Yes	No	No*
Laser-focused on health, life, disability, & group insurance	Yes	Yes	Some*	No	Yes*
Experts at negotiating pre-existing conditions	Yes	Some	Some	No	No
Help you review your existing cover	Yes	No	Yes	No	No
Avoid policies that make claiming hard	Yes	Yes	Yes	No	Some
Ongoing support	Yes	Yes	Yes	Yes	Yes
Nicest team in New Zealand	Yes	No	No	No	No

How Policywise works in 3 easy steps

1

Tell us about your company

Click the button below to get started by entering some basic details. (Takes less than 30 seconds.)

2

Get your FREE, no-obligation quote comparison

We’ll provide a straightforward run-down of your best options. Our report will show you the best company health insurance policies that match your needs, with research and ratings for each insurance provider. You’ll see a summary of quotes for the lowest market prices available for these policies. And we provide all this completely free to you, with no hidden costs – you'll pay the same premium as you would had you approached each insurer yourself and negotiated the best cover.

3

We take care of everything for you

If you like our recommendations, our experienced group insurance heroes will set up everything. Eliminate the pain of organising your group health insurance – we handle all the time-consuming back-and-forth with the insurer on your behalf. This is FREE for you because the insurer you choose pays our fees.

References

Accuro Health Insurance. (n.d). Business health insurance. Retrieved 23/08/2024 https://www.accuro.co.nz/business-health-insurance/

Forbes Advisor. (2024). Masterson, L. Group health insurance: What is it & how does it work? Retrieved 23/08/2024 https://www.forbes.com/advisor/health-insurance/group-health-insurance/

nib. (2024). Employee health insurance benefits. Retrieved 23/08/2024 https://health.nib.co.nz/business/employee-benefits

nib. (2022, April 13). The benefits of workplace health insurance. Retrieved 23/08/2024 https://www.nib.co.nz/free-resources/article/the-benefits-of-workplace-health-insurance

Southern Cross Health Insurance. (n.d). Health insurance for employees. Retrieved 23/08/2024 https://www.southerncross.co.nz/society/buying-health-insurance/southern-cross-in-your-workplace

Spill. (2024). 12 benefits of health insurance for employees and employers. Retrieved 23/08/2024 https://www.spill.chat/employee-wellbeing/12-benefits-of-health-insurance-for-employees-and-employers

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Company health insurance

Here's what our customers say about us

Sandra 2026-08-05 0 months

Jackie 2026-08-04 0 months

Hussan 2026-07-12 1 month

Joy 2026-07-10 1 month

Siti 2026-06-10 2 months

Joanne 2026-06-08 2 months

Monya 2026-06-05 2 months

Jonathan 2026-04-30 4 months

Evette 2026-04-02 4 months

Kasun 2026-03-30 5 months