Why is medical insurance necessary?

New Zealand's health system has changed dramatically in recent years. Advances in medical procedures have pushed up the cost of hospital care and placed greater onus on individuals to take more responsibility for their health. Increased life expectancy is a great thing, but it has also taken its toll on waiting lists. This is where health insurance comes into its own; it provides peace of mind while you seek advice and treatment at a time convenient to you and your family.

Why join us?

We understand that there’s always a choice when it comes to health insurance. That’s why we’ve made it our business to ensure you see the clear benefits of joining us. Whether you join us through your employer as a private individual, you will find advantages in:

  • avoiding delays in the public health system
  • acceptance for some pre-existing conditions
  • backup when it’s needed most
  • reassurance in our reputation for paying out on claims
  • low premiums for comparable cover, achievable due to our not-for-profit status
  • not-for-profit philosophy
  • superior personal customer support and speed to address queries
  • customers treated with care and reassurance
  • prior approval means the claim can be settled direct with the provider and you have reassurance of the level of cover before your surgery
  • member of the Insurance and Savings Ombudsman scheme

UniMed is a not-for-profit organisation which is an organisation that is not a household, government, or for-profit business.  It is an organisation that does not distribute its surplus funds to owners or shareholders but instead uses them to help pursue its goals - in UniMed's case, providing New Zealanders with a comprehensive range of high quality and affordable medical plans backed up with first class service.

Independently rated

  • Since 2011 UniMed has been reviewed annually for its Financial Strength Rating by AM Best Company.  This rating gives an indication of a company's financial strength and ability to pay out claims.  Further details on the rating can be found on our Financial Rating page.

Our credibility speaks for itself

  • UniMed has also been independently rated top health insurance scheme by Canstar. Their latest customer satisfaction ratings looked at the four largest health insurers, with UniMed achieving the Most Satisfied Customers – Health Insurance award for 2013.
  • With over $70,000,000 in reserves and having been established for over 30 years, you can have confidence in our ability to pay claims, and confidence that you won’t need to change provider. UniMed will stand ‘the test of time’; if we ceased taking premiums, we are sufficiently solvent to pay approximately 18 months of claims.

Take away the uncertainty of your future health care today

See our health plans here, or request a phone call from one of our representatives.


Health Positive   Major Surgical   Hospital Select   Unicare Plus




Total value of claims paid since 1 July 2005 is