Let's face it, New Zealand's public health system is stretched. Private medical insurance will guarantee you skip the queue and get seen immediately so diagnosis and treatment can begin as fast as possible. That's a huge relief if your medical condition is serious, or if the health of your child is compromised. Did you know a simple tonsillectomy can cost over $5000?

Having your own medical insurance also opens the door to a broader range of treatment options than is often available through our publically-funded health system.

You can include diagnostic and specialist cover, or opt for a surgery-only policy. Different excess options are available and some policies have a range of added benefits to help you recover at home or seek treatment overseas if necessary.

Your children can also be added to your medical insurance policy and enjoy the same coverage as you at reduced child premium rates.

As with most insurance policies, the devil is in the detail. Ownit advisers know how these policies are worded inside and out, and can recommend the best one for you. And when it comes to seeking prior-approval or making a claim, we'll handle the whole process on your behalf so you can concentrate on getting better.

Insurance Policies


How are insurance advisers paid?

Insurance advisers receive a commission directly from the insurance company when a new customer signs up. The commission rates are roughly the same for each insurer, so it does not sway our decision on which policies to recommend. Our service is free to you.

Can I trust an insurance company to pay out?

Yes. Ownit only deals with the best insurance companies who offer the best policies and coverage. Paying monthly or annual premiums can feel like a waste of money, but should you ever need to make a substantial claim it will be worth every cent. Making sure you have the right insurance in place to begin with is the key to ensuring claims are paid out.

Do I need insurance?

If you have financial obligations (like rent or mortgage repayments) or a family who rely upon you and your income, personal insurance is a smart move. The right level of cover will give you financial security if things go wrong. It will also allow your partner to take time off work so you can be together as a family in difficult times. Your health is your most valuable asset thats worth protecting at any age.

How much information do I need to disclose?

The more detail you can provide to our Ownit advisers and your potential insurer, the better. All medical and personal information is strictly confidential. Full disclosure is the best way to ensure any future claims will be paid.

What does an insurance rating mean?

Each insurance company has a rating which indicates their financial strength, stability and vulnerability to adverse market conditions. This is one factor worth considering when choosing which insurance provider to sign up with.

When should I take out personal insurance?

Insurance companies will always exclude pre-existing conditions so the sooner you take out your policies, the better. Think of it like car insurance if you bring in a banged up car, you wont be insured for the dents and damage that already exist. Similarly, if you suffer a major injury or illness and then try to organise insurance, you will not be covered for that condition.

Q: How do I make a claim?

Just give your Ownit adviser a call and we will make the claim on your behalf to ensure the process runs smoothly for you.

What do our clients think?

  • Christine

    'We were running a business and decided to buy a house for our own living. The bank we were with didn't make any effort to assist us in achieving our goals and we got very frustrated with them. Then we remembered Lorna the lovely lady who assisted us in obtaining finance for our business. 

    Lorna put many options in front of us. We don't live in Rotorua so all of this was done via email and phone calls.  We then asked for a meeting in which Lorna carefully went through the options until we found the one that best met our needs. This could have all done by distance but we were keen to meet up with Lorna because she is pleasant to be around with her great sense of humour and high level of energy. 

    Throughout the process we found Lorna efficient, practical and knowledgeable and her suggestions showed her depth of knowledge within the financial field. I particularly appreciated the constant contact that Lorna maintained, which was the opposite of our bank. 

    The very best thing was that we saved money by getting better interest rates and an all round better deal, one we could not have brokered ourselves. Proving it's worth having an expert to help. 

    We changed banks, which is not easy with a business, but it was a smooth process with Lorna guiding us all the way and we are happily working with our new bank. 

    When our mortgages come up for renewal you can guess who we are going to call first to see if we are getting a good deal. Yes, of course, it is Lorna Harris financier extraordinaire and all round nice person, thanks for everything Lorna. 

    Christine Brasell
    Te Aroha Motel

A JETPAC Solution by Jet Creative Studio