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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=63, items=[{firstname=Sarni Ray, reviews_io_company_comments=Policywise is great, helped me sort my health insurance swiftly, I recommend them 100%, reviews_io_company_date_created=1790135536000, reviews_io_company_rating=5}, {firstname=Malcolm, reviews_io_company_comments=I contacted Policywise t0 sort insurance for the boost visa Jared contacted me and arranged a one to one call and everything has been plain sailing since. , reviews_io_company_date_created=1789973073000, reviews_io_company_rating=5}, {firstname=Esteria, reviews_io_company_comments=Jared was great. very quick response and accomodating to all our queries and concerns. Kudos to you brother!, reviews_io_company_date_created=1789537162000, reviews_io_company_rating=5}, {firstname=Natasha, reviews_io_company_comments=Jared did a fantastic job. He was very approachable and great at communicating. We now have policy in place that is considerably cheaper than our old provider, with more/better cover. , reviews_io_company_date_created=1789521499000, reviews_io_company_rating=5}, {firstname=Lucy, reviews_io_company_comments=Super grateful for the support of George and the Policywise team in helping to navigate a difficult health insurance situation. George’s knowledge, guidance and support made a huge difference, and I genuinely don’t think we would have had the same outcome without his help. He was great to deal with throughout, very responsive, and made a stressful situation so much easier to navigate. Really appreciate everything George did and wouldn’t hesitate to recommend him and the Policywise team for anyone needing support with their insurance needs., reviews_io_company_date_created=1788822017000, reviews_io_company_rating=5}, {firstname=Tuhoe, reviews_io_company_comments=Absolutely — I’d keep your personality and humour because that makes the review feel genuine, just smooth out the wording and make it easier to read. Jared from Policywise was such a pleasure to work with. The exact insurer I had already been considering applying for, but hadn’t felt confident enough to go ahead with, was actually the insurer he recommended for me — without me mentioning it beforehand! So that gave me a lot of confidence in his recommendation straight away. Not only that, but Jared made the whole application process seem so easy. Honestly, I felt like I hardly did anything 😆. It was like having a personal assistant taking care of all the miscellaneous stuff while I just read everything over and signed to approve it. Throughout the whole process, Jared was always checking in to make sure I actually understood everything and wasn’t just nodding my head along. He explained concepts and jargon without me even having to ask, and if there were certain areas he felt were particularly important for me to understand, he would go back over them and explain them again. What really stood out to me was that he genuinely seemed to want to do the best by me, rather than simply trying to sell me something. I really appreciated having someone who could give me an unbiased opinion from outside the actual insurance companies. Anyway, I could go on, but at the end of it all, Jared was fantastic. I would highly recommend Policywise to anyone who wants honest, unbiased advice and someone who will actually take the time to make sure you understand what you’re getting. If you want, I can also make it a little more casual and funny, so it sounds even more like a natural Google review rather than a polished testimonial., reviews_io_company_date_created=1788513897000, reviews_io_company_rating=5}, {firstname=Tanja, reviews_io_company_comments=I came across Policywise by chance whilst I was looking for the right private health insurance! I’m glad I got in touch with you, because Chakradhar gave me absolutely brilliant advice; he was incredibly patient, answered all my questions and addressed all my concerns, and found the very best solution for us!! He was always there for us; we spoke on the phone several times, and I feel very well looked after and supported by Policywise! Thank you for being there and thank you for all your support!! Greatly appreciate it!!!! Thanks Chakradhar!!!, reviews_io_company_date_created=1787939491000, reviews_io_company_rating=5}, {firstname=Joanne, reviews_io_company_comments=Dealing with Chakradhar has been an absolute pleasure. He listened carefully to my needs and then provided a number of options and took me through the details of the different policies very thoroughly. He was highly professional and clearly answered all of my questions, following up directly with the insurers to clarify details as necessary. I would highly recommend Policywise and Chakradhar! Thank you!, reviews_io_company_date_created=1787875920000, reviews_io_company_rating=5}, {firstname=Craig, reviews_io_company_comments=We approached Jared for help reviewing our insurances. We were using another advisor and overall, weren't happy with their set and forget mentality. From the get go, we were impressed with Jared's commitment to getting the job done. We're in different parts of the country but caught up on Teams. He worked to transfer the policies across to Policywise, then worked with us on different strategies to get the best value from our cover. He advocated for us on a couple of issues and kept things progressing when life became busy. I recommend Jared to anyone looking for a decent review of this aspect of life admin. , reviews_io_company_date_created=1787129350000, reviews_io_company_rating=5}, {firstname=Amanda, reviews_io_company_comments=Been extremely helpful and patient throughout , reviews_io_company_date_created=1787016822000, reviews_io_company_rating=4}]}

Sarni Ray
2026-09-23
1 month

Malcolm
2026-09-21
1 month

Esteria
2026-09-16
1 month

Natasha
2026-09-16
1 month

Lucy
2026-09-07
1 month

Tuhoe
2026-09-04
1 month

Tanja
2026-08-28
2 months

Joanne
2026-08-28
2 months

Craig
2026-08-19
2 months

Amanda
2026-08-18
2 months

Excellent

Sarni Ray

Verified Customer

Policywise is great, helped me sort my health insurance swiftly, I recommend them 100%

Malcolm

Verified Customer

I contacted Policywise t0 sort insurance for the boost visa Jared contacted me and arranged a one to one call and everything has been plain sailing since.

Esteria

Verified Customer

Jared was great. very quick response and accomodating to all our queries and concerns. Kudos to you brother!

Natasha

Verified Customer

Jared did a fantastic job. He was very approachable and great at communicating. We now have policy in place that is considerably cheaper than our old provider, with more/better cover.

Lucy

Verified Customer

Super grateful for the support of George and the Policywise team in helping to navigate a difficult health insurance situation. George’s knowledge, guidance and support made a huge difference, and I genuinely don’t think we would have had the same outcome without his help. He was great to deal with throughout, very responsive, and made a stressful situation so much easier to navigate. Really appreciate everything George did and wouldn’t hesitate to recommend him and the Policywise team for anyone needing support with their insurance needs.

Tuhoe

Verified Customer

Absolutely — I’d keep your personality and humour because that makes the review feel genuine, just smooth out the wording and make it easier to read. Jared from Policywise was such a pleasure to work with. The exact insurer I had already been considering applying for, but hadn’t felt confident enough to go ahead with, was actually the insurer he recommended for me — without me mentioning it beforehand! So that gave me a lot of confidence in his recommendation straight away. Not only that, but Jared made the whole application process seem so easy. Honestly, I felt like I hardly did anything 😆. It was like having a personal assistant taking care of all the miscellaneous stuff while I just read everything over and signed to approve it. Throughout the whole process, Jared was always checking in to make sure I actually understood everything and wasn’t just nodding my head along. He explained concepts and jargon without me even having to ask, and if there were certain areas he felt were particularly important for me to understand, he would go back over them and explain them again. What really stood out to me was that he genuinely seemed to want to do the best by me, rather than simply trying to sell me something. I really appreciated having someone who could give me an unbiased opinion from outside the actual insurance companies. Anyway, I could go on, but at the end of it all, Jared was fantastic. I would highly recommend Policywise to anyone who wants honest, unbiased advice and someone who will actually take the time to make sure you understand what you’re getting. If you want, I can also make it a little more casual and funny, so it sounds even more like a natural Google review rather than a polished testimonial.

Tanja

Verified Customer

I came across Policywise by chance whilst I was looking for the right private health insurance! I’m glad I got in touch with you, because Chakradhar gave me absolutely brilliant advice; he was incredibly patient, answered all my questions and addressed all my concerns, and found the very best solution for us!! He was always there for us; we spoke on the phone several times, and I feel very well looked after and supported by Policywise! Thank you for being there and thank you for all your support!! Greatly appreciate it!!!! Thanks Chakradhar!!!

Joanne

Verified Customer

Dealing with Chakradhar has been an absolute pleasure. He listened carefully to my needs and then provided a number of options and took me through the details of the different policies very thoroughly. He was highly professional and clearly answered all of my questions, following up directly with the insurers to clarify details as necessary. I would highly recommend Policywise and Chakradhar! Thank you!

Craig

Verified Customer

We approached Jared for help reviewing our insurances. We were using another advisor and overall, weren't happy with their set and forget mentality. From the get go, we were impressed with Jared's commitment to getting the job done. We're in different parts of the country but caught up on Teams. He worked to transfer the policies across to Policywise, then worked with us on different strategies to get the best value from our cover. He advocated for us on a couple of issues and kept things progressing when life became busy. I recommend Jared to anyone looking for a decent review of this aspect of life admin.

Amanda

Verified Customer

Been extremely helpful and patient throughout

If you’re in the market to buy insurance, finding a provider that matches your circumstances and budget can be tricky, like searching for a needle in a haystack.

And even if you’re already in a good relationship with your insurer, you may still not know whether you’re getting the best bang for your insurance dollar. Why pay a high premium price when there’s no need?

Policywise has the most current info on what discounts, promos, or special offers might easily apply to your insurance cover.

An adviser will compare policies, sift through the fine print for you, spot discounts you could enjoy, and make suggestions that may save you hundreds of dollars per year in premiums.

Some insurers offer attractive, ongoing deals; others are time-sensitive and expire within a set period. Don’t miss out, because in today’s tight economy, every hard-earned cent is precious.

Whether you’re a new or existing policyholder, there are many ways to keep your insurance costs down:

You can bundle health and life insurance products and receive discounts of up to 15% on your premiums for doing so.
For newbies, if you sign up now with some insurers, you’ll receive one to two months’ cover, premium-free.
You can adopt a healthier lifestyle and get lower premiums for quitting smoking, maintaining a healthy weight, or meeting insurers’ healthy lifestyle criteria.
Take advantage of payment terms and systems, low claims, and loyalty discounts.

Comparing great plans, real-time promos, deals, and special offers is easier via a broker like Policywise. Let’s look at the perks, then book a free consultation with an adviser to figure out how to make these work for you, for free!

Quickfire or ongoing health and life insurance special offers

The New Zealand insurance market is competitive and consumer-reactive. This means that insurers really want your business and are constantly fine-tuning their products to attract and retain customers.

You can flip their competitive edge to your advantage by talking to a Policywise adviser. Policywise partners with some of New Zealand’s top insurers – companies known for excellent service and great client outcomes.

Depending on the insurer, good service might mean offering quickfire or ongoing deals that look like these:

Chubb

2 months' free premium for eligible new Assurance Extra and Assurance Extra Business policies, and eligible increases to existing cover. Offer available for applications received between 26 June 2023 – 30 September 2026 and issued by 31 October 2026.
Get an extra 1 month free with Life Lens, giving eligible new Chubb Life Assurance Extra customers up to 3 months' free premiums in total when combined with the 2 months' free offer. Available for new applications received 6 May 2026 to 30 June 2026 and issued by 31 July 2026.
15% Lifetime Reward discount for eligible customers who have not smoked or used nicotine replacement products for at least 12 months and have a BMI between 18.5 and 26.99. The discount applies to eligible life, life income, and trauma insurance policies which are fully medically underwritten, including increases to existing cover. Offer available for applications received from 31 July 2025 to 28 February 2027 and issued by 31 March 2027.

AIA

Save 10% on your first year’s premium when you purchase an eligible life, health, or income protection plan and add AIA Vitality

nib

Complimentary twelve months’ free mental health cover for new and existing clients who joined after 21 April 2018 and have an eligible Ultimate Health or Ultimate Health Max policy.

Lower premiums at your fingertips

How to pay less

How you pay your premium can impact how much you pay. Sounds convoluted, but yes, even payment systems have their ins and outs.

Insurers value your custom and try to make it easy for you to keep up with your premiums. Setting up an automatic payment system simplifies your monthly outgoings (you don’t even need to think about it), and your insurer will reward your excellent policy management.

Depending on the insurer, paying your insurance premium via direct debit can mean you’ll receive a discount of 2-2.5%.

Additionally, if you pay your premium on time and in full, you may be eligible for an annual discount of 5%.

Some insurers also offer premium discounts each year you keep your policy, culminating at ten years with a 10% discount.

Get healthy, stay healthy

It’s no news that eating five servings of fruit and vegetables a day, not smoking, moderating alcohol, maintaining a healthy BMI range, and exercising regularly are cornerstones of good health.

Staying healthy also shows you're making an effort to control the modifiable risk factors that impact your chance of developing an illness, such as diabetes or ischaemic heart disease.

But did you know that being healthy can also lower your insurance premium?

Some insurers provide eligible members maintaining a BMI within the qualifying range with a 5% premium discount after three years of continuous cover, graduating to 15% after nine years’ continuous cover.

Other insurers provide qualifying members with a 10% premium discount if they meet healthy lifestyle criteria, which include targets around fruit and vegetable consumption, exercise, smoking cessation, and low alcohol use.

On top of these premium discounts, you may also be eligible to receive:

Free wellness programmes, including healthy heart, joints, and weight management support
Discounts on gym subscriptions, body and home care products, home gym gear and fitness products.

Deciding not to smoke

While cigarette smoking is on the decline in adults aged 15-44 years, vaping is on the rise and now exceeds daily smoking, with around 480,000 Kiwis in the habit.

Most insurance policies charge smokers (of any type) a higher premium because smokers are more likely to die prematurely or claim on serious illnesses, such as heart disease and lung cancer - the leading cause of cancer-related death in New Zealand.

If you’ve always been a non-smoker, have given up recently, or have good intentions to quit, you may be rewarded not just with good health and more cash in your wallet but also with cheaper premiums.

If you haven’t smoked or vaped during the last 12 months, you may be able to get a premium discount on eligible insurance plans.

Keeping your claims on the low-down

Insurers offer excellent cover for a multitude of treatments and conditions, including diagnostic tests, specialist consultations, comprehensive benefits on surgeries, access to non-Pharmac-funded drugs, and treatments overseas.

It’s a worthwhile exercise to take a closer look at what preventative measures you can take to keep your claims in check, bearing in mind that the best insurers appreciate not paying out too often and will reward you if they don’t have to!

Low-claim discounts apply to several health insurance policies; for example, some insurers provide 5-10% discount on premiums if you have held your policy for two years continuously and claimed $1,000 or less over a two-year claims period.

Group deals for businesses

If you’re an employer, a business owner, or belong to an organisation that offers group or employee insurance, you’re likely to benefit from significant permanent savings.

This is because, from an insurer’s perspective, group insurance is cheaper to manage compared to individual policies due to shared risk.

For the business owner, bulk purchasing power is always a bonus, and so employers benefit from lower premiums.

For employees, cover is generally free or dramatically subsidised, and access to the policy is easy, usually with no underwriting required. It’s always worth checking with your employer to see if such schemes are available to you and your family.

Buying in bulk (multi-benefit discounts)

Consolidating your insurance portfolio by purchasing more than one type of cover with the same company may mean you receive a multi-benefit discount on your premium.

For instance, bundling your life cover with income protection, mortgage insurance, total permanent disablement, trauma insurance, or medical cover means you may be eligible for a premium discount of up to 15%.

Policywise can also help you figure out how to combine your personal or business insurance policies to maximise benefits and minimise premium costs.

Free cover for kids

With one baby born every eight minutes, Kiwis are clearly great fans of family. With kids, though, come health issues, such as hernias, enlarged adenoids, glue ear, and even more serious illnesses, like cancer. You may find yourself struggling with the medical costs and waiting too long in the public health system - sometimes more than four months - for first specialist assessments or treatments.

Cost-effectively planning for your family’s health is made simpler with cover that includes these features:

Some health insurers offer free cover for your newborn until they reach six months.
If you decide to continue extending your family, you’ll often find your third and subsequent children receive free cover on eligible plans until they turn either 21 or 25.
Some critical illness insurance plans may offer free child’s trauma cover up to $50,000.

Loyalty discounts and other membership benefits

Staying on top of your health can sometimes feel more like a chore than it’s worth. Good habits, like getting regular checkups, eating and sleeping well, exercising, moderating your drinking, and seeking work-life balance, need constant dedication and self-motivation.

We know that prevention is better than cure; what if there’s an easy way to make that work?

Some insurers are happy to give you moral and financial support to help maintain your wellbeing, manage your health, and squeeze every bit of value out of your premium.

Optimising the advantages and benefits you receive as part of your policy could mean accessing these special offers and resources:

Free bowel screening kits for eligible members
Discounted prices on eye checks and/or eyewear
Complimentary hearing assessments and discounted prices on hearing aids
Free online GP appointments
Free annual health checks
Free health management programmes for those with illnesses such as diabetes
Free post-heart surgery rehabilitation
Discounted dental treatments
Cancer support programmes
Free online mental health sessions per claims year
Discounts on travel and pet insurance.

Great value for your premium dollar, right? And good reason to keep up the good work.

Let Policywise help you find the best health and life insurance offers

Policywise is a 100% free service which tells you which health, life, and disability insurance provider best fits your needs. We offer fast, comprehensive, and easy-to-understand comparisons of all leading providers and a simple summary clearly recommending which insurer is best for your situation.

Not all insurance policies are the same. Policywise can help you sort out the duds, avoid the lemons, understand the fine print and exclusions, and get the right insurance for you and your family.

We make the important decision of where to buy your insurance super easy. We’ll answer your questions, provide experienced advice and quotes, and manage all the back and forth throughout the application process. Taking out your cover through us means you'll have our lifetime support and claims advocacy, and we'll help you negotiate a positive outcome at claim time. We can also take care of lodging any claims on your behalf and back you up if the going gets tough.

Check out the reviews on our homepage for how other New Zealanders have found our service because now is the time to make the most of any insurance discounts, special deals, and promos on offer. Give your family or someone you love the most outstanding financial support possible. Book a 5-minute callback with Policywise today; our service is fast and free.

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 insurance adviser

	POLICYWISE™	Other comparison sites	Traditional brokers	Banks	Insurers (going direct)
Completely free service	Yes	Yes	Yes	Yes	Yes
Quotes from 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	Yes	Yes	Some*	No	Yes*
Experts at negotiating pre-existing conditions	Yes	Some	Some	No	No
Avoid ungenerous policies that make claiming hard	Yes	Yes	Yes	No	Some
Ongoing support	Yes	Yes	Yes	Yes	Yes
Nicest guys in New Zealand	Yes	No	No	No	No

Quickly find the cover that’s best for you

Policywise tells you which health, life or disability insurance best matches your circumstances, 100% free. Talk to one of our insurance advisers to find out which life insurance is best for you.

Talk to an adviser It’s fast & free

References

Health New Zealand Te Whatu Ora. (2024, December 12). Cancer data web tool. Retrieved 09/04/2025 https://tewhatuora.shinyapps.io/cancer-web-tool/

Ministry of Health Manatū Hauora. (2024, November 19). Trends in smoking and vaping: New Zealand Health Survey. Retrieved 24/03/2025 https://www.health.govt.nz/statistics-research/surveys/new-zealand-health-survey/publications/202324-survey-publications/trends-in-smoking-and-vaping

Stats NZ Tatauranga Aotearoa. (2024, December 31). Population clock. Retrieved 24/03/2025 https://www.stats.govt.nz/tools/population-clock/

The New Zealand Herald. (2023, July 31). Hill, R. Number of children waiting longer than four months for hospital help jumps by 600 per cent. Retrieved 24/03/2025 https://www.nzherald.co.nz/nz/number-of-children-waiting-longer-than-four-months-for-hospital-help-jumps-by-600-per-cent/UXDZPJUNUJGKRBYID3HXXLB5GE/

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