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New Zealand offers high-quality public and private healthcare throughout the country. Permanent residents also benefit from the coverage of its Social Security system, and thus from free or subsidised access to a number of healthcare services. However, many also take out private health insurance to make access to care even more comfortable.
New Zealand’s public healthcare system is funded through the government's Ministry of Health. Health services are available to New Zealand citizens, permanent residents, and some temporary residents (such as work visa holders). Visitors from the UK and Australia can also access the public system, as they are covered by a reciprocal health agreement.
The vast majority of hospital admissions in the public sector are fully covered, as are medical consultations for under-13s and dental care for under-18s.
For other categories of insured persons, generalist or specialist consultations (whose fees are freely set by doctors, and can vary greatly) are partially subsidised by the system; however, dental care and private hospital care are not covered.
Many citizens and residents in New Zealand generally opt for supplementary private health insurance. This offers more flexibility, access to private hospitals, additional services such as adult dental care, and extra cover for treatments not fully covered by the public system.
Expatriates moving to New Zealand on a long-term or short-term basis may find it beneficial to take out international health insurance (instead of, or sometimes in addition to, local health insurance). It offers many privileged benefits, such as coverage outside New Zealand, repatriation assistance as well as the possibility of choosing hospitals (which local insurance does not always allow).
Medical consultations and hospitalisation with "MyHealth International"
Examples of reimbursements with MyHealth International COMFORT in relation to the cost of care in New Zealand in the private sector*.
*Reasonable costs in the private sector, APRIL International data 01/2022
General practitioners in private practice―working in medical centres―are the first to be called upon for primary care. Patients enrolled in a medical centre, and therefore not changing GPs, benefit from lower fees and better availability. Specialist doctors usually work in hospitals or private clinics.
To choose a doctor, you can consult the official HealthPoint platform, which lists all GPs in the country, by locality, and also indicates the fees charged by each one.
The same platform can be used to find a dental clinic, a public or private hospital (depending on their specialities), a pharmacy, a maternity centre, etc.; however their prices are not systematically specified.
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