Group Insurance
Policywise tells you which insurance cover best matches your business, 100% free.
 
						
					Personal insurance
Policywise helps you compare and customise personal insurance plans to match your needs, 100% free.
Working with Policywise means having an expert on your side.
- Policywise advisers help you save time and money when choosing insurance.
- We’re independent brokers, not tied to any insurer, so our advice always puts you first.
- We offer tailored advice based on your goals and budget.
- We compare plans from multiple trusted insurers to find the best cover at the best price.
- Our team explains everything clearly, helping you understand your options without jargon.
- From comparing quotes to updating your cover and helping with claims, Policywise makes insurance simple, cost-effective, and stress-free.
With Policywise
Simple one-page summary
Independent research & expert experience
Clarity & assurance
Fast & easy
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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.
			Shannon
			2025-09-25
			
			
			
			
			
			
			
			
			
			
			1 month
			
		
		
		
			Tanzim
			2025-09-23
			
			
			
			
			
			
			
			
			
			
			1 month
			
		
		
		
			Juan Manuel
			2025-09-11
			
			
			
			
			
			
			
			
			
			
			1 month
			
		
		
		
			Vicki
			2025-09-04
			
			
			
			
			
			
			
			
			
			
			1 month
			
		
		
		
			Jacky
			2025-09-03
			
			
			
			
			
			
			
			
			
			
			1 month
			
		
		
		
			Eddy
			2025-09-01
			
			
			
			
			
			
			
			
			
			
			1 month
			
		
		
		
			Phoebe
			2025-08-05
			
			
			
			
			
			
			
			
			
			
			2 months
			
		
		
		
			Nica
			2025-07-14
			
			
			
			
			
			
			
			
			
			
			3 months
			
		
		
		
			Suphansa
			2025-05-15
			
			
			
			
			
			
			
			
			
			
			5 months
			
		
		
		
			Becky
			2025-05-08
			
			
			
			
			
			
			
			
			
			
			5 months
			
		
		
	Excellent
Shannon
Verified Customer
Jared gave great advice and provided a lot of incredibly helpful information that helped us easily understand the differences...
Shannon
Verified Customer
Jared gave great advice and provided a lot of incredibly helpful information that helped us easily understand the differences between each medical insurance provider. He was timely in all of his calls and responses — the process was quick and easy, and we felt assured that we had chosen the right provider for our needs. Would highly recommend!
Tanzim
Verified Customer
Love Policywise. George Clark is amazing ! He has assisted me and helped me with the different policies all the way through from...
Tanzim
Verified Customer
Love Policywise. George Clark is amazing ! He has assisted me and helped me with the different policies all the way through from the day I decided to get my health insurance. He has made the process so simple and smooth and has helped me compare & decide which policies best suits my needs. He is great at what he does and I would choose to go via policywise because of the assistance he has provided me so far.
Vicki
Verified Customer
I previously had medical insurance, but decided to stop as we never heard from our advisor and it was getting expensive, but once...
Vicki
Verified Customer
I previously had medical insurance, but decided to stop as we never heard from our advisor and it was getting expensive, but once turning 65 decided I should have it - so contacted Daniel at Policywise and he was absolutely amazing, it wasn't easy to re-instate the policy, but he got it all sorted, he always kept me up-dated - he was amazing!
Eddy
Verified Customer
Don't know if I can name the person dealt with... let's say his name was Jared. Extremely helpful and patient as I had alot going...
Eddy
Verified Customer
Don't know if I can name the person dealt with... let's say his name was Jared. Extremely helpful and patient as I had alot going on and we never seemed to be able to close the deal due to my circumstances. However always felt like he had under control. Extremely friendly and professional gor straight to the point without mucking around which I appreciate as who has time for that. Legendary service and communication.
Suphansa
Verified Customer
Hi Jared, I just wanted to thank you for the outstanding support with my health insurance. You made a potentially overwhelming...
Suphansa
Verified Customer
Hi Jared, I just wanted to thank you for the outstanding support with my health insurance. You made a potentially overwhelming process feel easy and straightforward, and I really appreciate your patience, clear explanations, and quick responses. It’s such a relief to know I’m covered and in good hands. I truly appreciate everything you’ve done! Best regards, Suphansa
Personal insurance in New Zealand
| Health insuranceHelps pay for private medical care, from surgery, hospital stays, and non-Pharmac-funded drugs to specialist visits, diagnostics, imaging, and optional benefits like dental or optical. Helps you avoid public hospital waiting times. 
 |  | Life insurancePays a lump sum if you pass away or are diagnosed with a terminal illness. Helps your loved ones cover living costs, debts, and funeral expenses. You can buy it as standalone cover or combine it with trauma or disablement insurance. | 
| Income protection insurancePays a monthly benefit if illness or injury stops you from working. You can buy it as standalone cover or combine it with mortgage insurance. |  | Trauma (critical illness) insuranceProvides a lump-sum payment if you suffer a serious covered condition, such as cancer, stroke, heart attack, paralysis, or loss of limb. It helps with long-term care costs, home adjustments, or lost income. You can buy it standalone or as accelerated cover attached to your life insurance policy. 
 | 
| Mortgage or rent protection coverPays a monthly benefit if you can’t work due to illness or injury, helping you stay on top of your mortgage or rent payments and other bills. You can buy it standalone or combined with income protection. 
 |  | Total permanent disability insuranceProvides a lump sum if you become totally and permanently disabled due to illness or injury. It helps fund rehabilitation, home modifications, or long-term care. You can buy it standalone or as an accelerated benefit from your life cover. | 
More ways to protect yourself
- Mental health insurance - Insurance options that pay benefits if you can’t work due to mental health conditions. Several plans provide counselling and psychologist or psychiatric consultations.
- Health insurance for visitors and work visa holders - Covers private medical treatment and hospital care for qualified individuals working or travelling in New Zealand.
- Dental insurance - Helps pay for general dental care, such as cleanings, fillings, exams, and tooth extractions. Available as an add-on to comprehensive health insurance plans.
- Self-employed insurance - Insurance options to help self-employed individuals protect their health and finances in case of critical illness, injury, or death.
- Redundancy insurance - Pays a regular income for a set period if you lose your job through involuntary redundancy. Available as an add-on to selected income protection or mortgage protection plans.
- Funeral insurance alternatives - Personal insurance plans with built-in or optional funeral support benefits, and other policies that help pay for burial costs.
How to get a personal insurance quote comparison
1
Tell us about yourself
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. It will show you the top insurance policies that match your needs, with research and rankings on each insurance provider. You can see a quote summary of the lowest market prices available for these policies. Because the insurers pay our fees, we provide all this information completely free, with NO ADDED COST on the premiums.
3
We take care of everything for you
If you like our recommendations, our experienced insurance advisers will set everything up for you and handle all the time-consuming back-and-forth with the insurer on your behalf. This is completely FREE.
Why choose Policywise as your personal insurance broker
100% free service, lowest market prices
Our purpose is to find you the best cover for the lowest going rate—so you don’t have to shop around. Our prices are exactly the same as going directly through the insurer or your bank for the same policy. There are absolutely no added cost or fees at all. The insurer pays our fees as we save them a lot of admin, and expertly match people to the right policy.
New Zealand owned & operated
With insurance advisers nationwide, we're here for you wherever you are in New Zealand. Our commitment is to protect New Zealanders with the best life, health, and disability insurance at competitive rates.
Advocacy on your behalf if you ever have trouble making a claim
You don't want to be up against your insurer's legal team by yourself. That's why any policy you buy through us is protected by our specialist claims team. They can help with negotiations around even the most difficult claims, as part of our ongoing FREE service. If you took out cover through Policywise, you have nothing to worry about—we can manage your claim on your behalf and go to bat for you with the insurer.
You're 100% in control
There is zero obligation with Policywise. We give you the information you need to make an informed decision with no pressure or sales tactics. If you like our recommendations and choose to take out a policy, we’re happy to set it up for you with the insurer as part of our FREE service. We also ensure that every policy has at least a 14-day free look period, so you can cancel for a full refund with no risk.
Incredibly simple & clear explanation of which policy is best for you
We give you a SHORT printable report summarising your top option, with clear explanations of the benefits that make it your best choice.
Based on independent research
Unlike other comparison sites, we give you recommendations based on in-depth independent research about each health insurer. This means you can make an informed and confident decision.
Advanced proprietary comparison software
Does having good cover for a particular condition like cancer concern you? We use a proprietary analytics and reporting tool, paired with our extensive experience, to generate in-depth comparisons on the conditions that concern you the most. This means we can ensure you get the exact policy that best covers the areas most important to you.
Access to every major provider on the market, and all their policies
Because we only do health, life & disability, we know every insurer worth knowing, and can advise you on every available policy.
Focused exclusively on health, life & disability cover
We don't do any kind of assets or liability insurance, which means that all of our expertise is concentrated on health, life and disability. Because we are not generalists, we know much more about our specific kind of insurance. It's like the difference between a brain surgeon and a GP.
How Policywise generally compares to other online quote providers
| 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 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	
									 |