Health Insurance


If you were to become unwell, wouldn't you want to get back to good health as soon as possible? Having treatment in New Zealand's public healthcare system could mean waiting for up to six months for a specialist consultation, and an additional six months for subsequent treatment - compared to an expected three months in the private healthcare system.*

While you are waiting for treatment, you may need to take time off work or make adjustments to your lifestyle to cope with your condition. This could have a serious impact on your ability to work and earn an income.

Get access to faster treatment with health insurance

The great news is that health insurance can help give you faster access to private hospital treatment. Getting health insurance early can help cover you against new health problems you may experience in the future – so the earlier you get it, the better.


Get a health insurance quote in minutes!

You can now get an online quote for TOWER's flexible health insurance plan, Premier Health™.

Premier Health is made up of the Base Cover, which provides cover for the larger surgical and medical expenses in a private hospital. You can then add options onto this Base Cover which provide cover for other health-related costs such as specialist consultations, GP consultations, dental & optical treatments, and a lump sum payment option to provide cover if you were to suffer from one of 13 specified serious conditions eg a heart attack or stroke.

For more information on Premier Health, click on the links below. Otherwise, click on the 'Get a Quote' button now to see how affordable it can be to help protect your health and the health of your family.


Policy information

Please click on the links below for more information






*These waiting times are a general guide only and may vary depending on the symptoms, medical conditions and other variables specific to the individual cases. This information is based on the Ministry of Health’s elective surgery measurement targets, www.electiveservices.govt.nz, as at September 2009.

Note: Normal underwriting criteria apply. Please see the Premier Health™ policy document above for full terms, conditions and exclusions of the policy.