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Medical Insurance

Medical insurance is basically a safety net to keep things ticking along in the event of an illness or sudden injury. That way your family can focus on what's important, rather than stressing about finances.

With the right medical cover you get fast-tracked access to tests and care, as well as more choice and peace of mind that those expensive medical bills will be taken care of. Our team of advisers will work with you to recommend the right cover for your needs.


Piggy bank with a stethoscope

Why medical insurance exists

We’re pretty fortunate to have a good public health system in New Zealand. But if you need non-emergency surgery, or to see a specialist, or get an expensive test done like an MRI, the public system will put you on a waiting list of up to 4 months. The question to ask is can you afford to wait? 

Why bother with medical insurance?

  • No public wait lists
  • Choose the hospital of your choice
  • Access to the best medical treatments available
  • See a private specialist quickly
Girl playing doctor

Not all medical policies are created equally

It's good to talk it over with an impartial Squirrel adviser since you could end up paying more than you need to for medical insurance. Often policies that cover the minor things like GP visits are not necessary and this could increase your premiums unnecessarily. We'll be able to recommend a medical insurance policy that will be affordable and cover you for the essentials - whatever they might be. 

There is normally an excess on a medical insurance policy that you would need to pay upfront as a portion of the medical bill and how much this is depends on how much your insurance premium costs. You can decide what you feel will work for you and your situation after the options have been discussed with you.

We can help you decide

Our advice is impartial, and we won't try to over-insure you. It's about deciding what's important to you, and what you can realistically afford.

Can I still get medical insurance if I've already got a health issue?

Definitely. However, that particular health issue may be excluded from your medical insurance policy. Sometimes after a review period, a pre-existing health condition can become covered. And other times you may have to pay a bit more to be covered from the start. 

It's worth having a good chat with your insurance adviser who will be able to recommend the right medical insurance for your needs.

Umbrellas - divider

Making a claim is easy

As well as arranging your insurance, we're also here for you if the time comes to make a claim. 

To keep the process simple for you, all you need to do is get in touch with us, let us know what's happened and we'll go in to bat for you and make sure you get everything you're entitled to.

Want to chat to the team about your options?

Give us a bell

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See for yourself what our clients think with 1432 five star reviews on Shopper Approved.

Luke Murray

New Zealand

It was a great experience. The refinance helped me greatly and put me in a position to keep my apartment
LM

Ryan

New Zealand

The service I got from Squirrel was extremely efficient. They dealt with my loan so easily and achieved a result greater than what I was expecting
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William

New zealand

Sudam our advisor was so helpful, patient and knowledgeable and made the whole process super easy with a great final result
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Ryan Grant

New Zealand

Alex McRobbie was awesome! Informed knowledgeable and understanding! best outcome and awesome person to deal with! Couldnt recommend highly enough
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Martin

New Zealand

Helped me get an improved rate and sorted out my needs. Great communication, kept me up to date throughout the process.
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Dan Clark

New Zealand

Kat McInnes was so helpful and a pleasure to deal with.Kat made the whole experience less stressful and so straight forward. I would have no hesitation in recommending Kat to anyone who needs any help with Mortgage lending.
DC

Denoa Amoa

New Zealand

Eleanor was very communicative, explained to me the best options and structure available, and guided us through what was a complicated process due to the structure of the ownership.
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Anonymous

New Zealand

My advisor was excellent-he was responsive and explained options well to me. He followed up on what he said he would do and was great at communicating with me.
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