Buy health insurance online 

TOWER Cover4Health™

Health insurance doesn't need to be difficult. That's why we've created a product that can look after the whole family, and that accepts you on the spot. While pre-existing medical conditions are not covered for the first three years of cover, many are covered after that, letting you get on with life instead of worrying about medical bills. We've attached the policy document further down the page so you can understand what's covered.

If you were to get sick, health insurance could help ensure faster access to treatment. It allows you to go to a private hospital and choose from a range of treatment options, all of which aim to get you back on your feet and enjoying life. We know you don't want to worry about your finances while recuperating, and health insurance lets you focus on what's important. Read our health insurance case studies to find out how we've helped other customers.

Did you know 72% of our customers say it would be easier to take out insurance without paperwork?*

With our exclusive online buying process for TOWER Cover4Health, you can take out health insurance for you and your family when you're ready. You can get a quote and take out a policy any time of the day or night. There's no paperwork and nothing to sign - you don't even need to provide your medical history to get covered.

Features of TOWER Cover4Health

Because insurance can sometimes be confusing, we've developed TOWER Cover4Health to help make health insurance easier to understand. Our straightforward policy offers you:

And once you've decided to take out cover, we've arranged it so you are automatically accepted and covered from the get-go. Although any pre-existing medical conditions are not covered, we will cover many of them once you've had your policy for just three years. 

Optional features of TOWER Cover4Health

Sometimes you want a little bit more security, so once your policy is in force you have the choice to take out additional cover with our Serious Condition Lump Sum Option. This option pays out a lump sum of either $20,000 or $50,000 if you suffer from certain trauma conditions.

With TOWER Cover4Health you can also choose to:

• Reduce your premiums by selecting from a range of excess options
• Cover your family under the same policy

Full policy details for TOWER Cover4Health

When it comes to taking out health insurance for you and your family, you want to understand what's covered. It's a great idea to read a policy document before you take out cover, so we've attached it below. We're the experts in this, so if you have any questions about what's covered or what a particular term means, give us a call.

TOWER Cover4Health Policy Document

To take out a TOWER Cover4Health policy you first need to make sure that this is the right product for you. To be eligible you need to be:

• Aged between 18 and 49 years
• Living in New Zealand as either a New Zealand resident, citizen or Australian citizen

Please note that TOWER Cover4Health premiums are paid via a monthly direct debit. You are able to change your payment method once your policy is in force and the first premium has been paid.

 Get a quote and purchase TOWER Cover4Health

You can buy TOWER Cover4Health online. Get a quote by answering just seven questions and purchase health insurance for you and your family online today. You can also call us for more information on 0800 379 372, Monday to Friday, 8.00am-5.30pm.

* Easy Life survey by TOWER Insurance Limited 2011.

This is an indication only of the cover provided. For full terms, conditions and exclusions of the policy, please refer to the policy document.