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
Get better cover for less
Compare policies from trusted insurers and see where you can save.
100% free. Same price as going direct.
Compare smarter. Save more.
We compare policies for you and highlight available discounts-at no extra cost.
No obligation. No insurer bias. Same price as going direct.
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.
Lucy
2026-09-07
0 months
Tuhoe
2026-09-04
0 months
Tanja
2026-08-28
1 month
Joanne
2026-08-28
1 month
Craig
2026-08-19
1 month
Amanda
2026-08-18
1 month
Sandra
2026-08-05
1 month
Jackie
2026-08-04
1 month
Hussan
2026-07-12
2 months
Joy
2026-07-10
2 months
Excellent
Lucy
Verified Customer
Super grateful for the support of George and the Policywise team in helping to navigate a difficult health insurance situation....
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...
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,...
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...
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...
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.
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...
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.
Joy
Verified Customer
Cooper assisted me when changing from workplace medical insurance to self-funded when I retired. Excellent service - he took the...
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.
Table of Content
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.
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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. |
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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.
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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.
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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.
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
|
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.
