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Private health insurance can give you faster access to specialists, more choice, and greater control over your care. At Lighthouse Financial, we compare leading New Zealand insurers and help you find cover that suits your health needs and budget.
The public healthcare system continues to face increasing demand, leaving many New Zealanders waiting longer for specialist appointments and elective surgery. Private health insurance helps provide faster access to treatment when time matters most. Remember, ACC covers accidents, not illness, which is exactly why health cover is worth having alongside it.
Around 70% of Kiwis are under-insured, meaning their cover is too low or they have none, leaving the average household $830,000 short if tragedy struck.
One in seven households experiences a serious illness to the primary income earner, who ends up off work for six months or more. Within four weeks, 55% of those households can no longer pay their bills or maintain their lifestyle.
74,000 Kiwis have been waiting more than four months just to see a specialist, a 45% increase since mid-2023. That is months of uncertainty for families who could be seen in weeks with private cover.
More than 10,000 Kiwis have been waiting over a year for specialist appointments or elective surgery. Private health insurance can help cut that wait dramatically.
Most people don't think about health insurance until they're facing surgery or need specialist treatment, or they assume ACC will step in. In reality, ACC only covers accidents, not illness, and planning ahead gives you more options and cover before you need them.
Get faster access to private specialists, helping you avoid long public wait times and receive the care you need sooner.
Access eligible elective procedures sooner, helping you get treated faster and return to everyday life with less disruption.
Some cancer treatments aren’t Government-funded. Insurance can help cover the cost of medication and treatment when you need it most.
Compare health insurance from leading New Zealand providers and find cover that suits your health needs, priorities and budget.
Speak with an advisor and discover how tailored financial advice can give you clarity and confidence.
Most people don't think about health insurance until they're facing surgery or need specialist treatment, or they assume ACC will step in. In reality, ACC only covers accidents, not illness, and planning ahead gives you more options and cover before you need them.
Get faster access to private specialists, helping you avoid long public wait times and receive the care you need sooner.
Access eligible elective procedures sooner, helping you get treated faster and return to everyday life with less disruption.
Some cancer treatments aren’t Government-funded. Insurance can help cover the cost of medication and treatment when you need it most.
Compare health insurance from leading New Zealand providers and find cover that suits your health needs, priorities and budget.
Health insurance isn’t one-size-fits-all. At Lighthouse Financial, we compare leading insurers, explain your options, and help you choose cover that fits your health priorities, lifestyle and budget so you can make a confident decision.
Don’t know where to start, have existing cover,
or want to reduce your cover? We’re happy to help.
• Faster access to private specialists.
• Reduced waiting times for eligible elective surgery.
• Greater choice of hospital and specialist.
• Access to diagnostic testing when you need it.
• Financial support for eligible private treatment.
• More control over your healthcare journey.
• Cover that sits alongside ACC for illness, not just accidents.
• Greater certainty if unexpected health issues arise.
• Agree on your cover amount in advance for guaranteed certainty.
• Receive consistent compensation even if your income fluctuates year to year.
• Be covered even when you can still work part-time or on limited duties.
• Works seamlessly alongside other personal insurance for complete protection.
Sometimes it takes a story to show why getting covered matters.
| Healthcare Need | Outcome |
|---|---|
| Specialist Care | Gave Sarah faster access to a private specialist to assess her knee and recommend treatment. |
| Surgery | Allowed her to schedule surgery sooner, rather than facing a lengthy public wait. |
| Ongoing Protection | Gives her greater choice and confidence if she needs specialist treatment again in the future. |
With the right health insurance in place, Sarah spent less time waiting and more time focused on getting back to the life she enjoys.
Better Healthcare Starts With Better Planning. Health insurance gives you more choice and faster access when you need care. Planning ahead means you can understand your options and have the right cover in place before you need to use it.
You deserve advice that’s transparent, flexible, and built around real life not jargon or fine print. That’s what we deliver.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
