Partners Life Health Insurance

When faced with serious illness, the cost of medical care can compound an already stressful situation – exactly the reason thousands of New Zealanders invest in health insurance cover. Here, Canstar reviews how Partners Life’s health insurance policies stack up against the competition.

What health insurance policies does Partners Life offer?

Partners Life offers two health insurance policies:

  • Private Medical Cover
  • Specific Condition Cover and Hospital Cash Cover

Partners Life insurance is designed to be tailored to your specific needs, and the above policies can be mixed and matched with other Partners Life policies, such as Trauma Cover and Income Cover, for a more comprehensive package.

Check out the link below to see how this compares against other insurers.

Compare Health Insurance with Canstar

What’s covered by Partners Lifes Private Medical Cover policy?

Private Medical Cover funds quick access to, and a choice of, treatment in the private medical sector, meaning you can get the best care without having to wait for the public system.

Policy details:

  • Surgical treatments (inpatient and outpatient)
  • Accommodation and transport costs for the life assured and support person
  • Drug or radiotherapy treatment
  • Medical tourism costs
  • Medsafe-approved drug costs

What isn’t covered by Partners Life’s Private Medical Care policy?

  • Costs which are covered by ACC
  • Treatments where the public system is the best option
  • Small treatment costs
  • Elective treatment costs
  • Self-induced medical treatment requirements

What’s covered by Partners Lifes Specific Condition and Hospital Cash Cover policies?

These products are exclusive to Partners Life, and take a different approach to claims. These products pay a small, defined amount of money if you suffer a specific health event, or require a specific medical treatment.

An example of this would be to pay out a sum of money upon breaking a bone.

What isn’t covered by Partners Life’s Specific Condition and Hospital Cash Cover policies

Similar to other health insurance providers, exclusions vary between each policy and centre largely around eligibility criteria for each level of cover. 

What makes Partners Life health insurance different?

Partners Life doesn’t believe in a one-size-fits-all approach to health insurance. Kiwis are unique, and their health insurance should reflect that.

Partners Life also understands that working out the best mix and balance of products to suit your health needs can be confusing. This is why Partners Life doesn’t have an online quotation tool, or a breakdown of benefit limits and cover. Instead, Partners Life’s independent advisers tailor a solution specific to your needs.

About Partners Life

Partners Life is a New Zealand-operated company. Since its beginnings in 2011, Partners Life has become a recognised name in life and health insurance. Partners Life partners with independent financial advisers across the country to provide individually tailored health insurance solutions for its customers.

Written by: Caitlin Bingham | Last updated: August 22, 2023