Insurance
Understand the policy before the decision.
Insurance questions often turn on wording, exclusions, disclosure, price and personal circumstances. This is a place to organise the question before a sales or advice conversation.
Common questions
Common insurance questions.
Health and personal-insurance questions are easier to compare when the wording, limits and exclusions are close by. Use the guides to frame the question before a policy or adviser conversation.
Is private health insurance worth having in New Zealand if we already have a public health system?
A balanced way to start thinking about private health insurance in New Zealand before a policy or adviser conversation.
InsuranceWhat does health insurance cover, and what might it exclude?
Understand why health insurance cover depends on the policy wording, definitions, limits and exclusions.
InsuranceWhat is a pre-existing condition, and can it affect my health insurance?
A plain-English guide to pre-existing condition questions and why insurer decisions and policy wording matter.
InsuranceWhat do I need to disclose when I apply for insurance?
Understand insurance disclosure as an accuracy question, not a guessing game about what to leave out.
InsuranceWhat does an insurance excess do, and can a higher excess reduce premiums?
A plain-English explanation of insurance excesses and the trade-off between premiums and claim costs.
InsuranceWhat do I check before switching health-insurance providers?
A practical switching checklist covering cover differences, qualifying periods, exclusions, premiums and confirmation of new cover.
InsuranceWhy can an insurance claim be declined or paid differently from what I expected?
A plain-English guide to common reasons a claim outcome may differ from expectations.
InsuranceWhen do I review my insurance cover?
A general guide to when insurance cover may be worth reviewing, without prescribing products or cover amounts.
Recently updated
Useful insurance pages to check first.
New common questions and insurance topic pages appear here when they are especially useful.
Is private health insurance worth it in New Zealand?
A plain-English guide to comparing public care, private cover, price and policy wording.
TopicMedical insurance start page
Sort public-care questions, policy wording and claim documents before asking for individual help.
TopicLife insurance start page
Organise family, income, debt and business questions before a cover conversation.
Browse by area
Browse the thing you need to understand.
Health cover
Sources and next step
Use the sources first, then ask the sharper question.
How to read these insurance pages
Public insurance information is explained in plain English, with prompts for better questions. If the answer depends on personal circumstances, the next step is an appropriately authorised adviser conversation.
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Share your name, topic and preferred contact method. If the answer depends on personal circumstances, an appropriately authorised insurance adviser can pick it up from there.