Paying too much for Health Insurance?
Seems like the price of everything keeps going up. Food (butter!), petrol, electricity, and of course insurance premiums.
We can’t help with your baking costs, but fill out the form and we can work on reviewing your insurance and getting quotes for the cover you really need.
Simple, affordable, and easy to understand.
Get insurance cover across NZ providers:
Example Quote Comparisons
Health insurance costs vary significantly from one insurer to another, making it essential to compare your options before choosing a policy.
It’s often prudent to review several providers to see how their coverage and pricing stack up.
Be sure to share correct and thorough information during the application process, missing or unclear details can result in claims being declined.
See the below Health Insurance example for a joint policy between a 40-year-old male and female, both non-smokers.
NIB
$137.28 difference
$384.67 no excess
$247.39 - $1000 excess
$137.28 difference
AIA
$137.32 difference
$351.50 no excess
$214.18 - $1000 excess
$137.32 difference
Partners Life
$114.16 difference
$299.22 no excess
$185.06 - $1000 excess
$114.16 difference
Disclaimer
These premiums are indicative only and may vary depending on the cover type, level of cover selected, and any updates made before the application is submitted. Final pricing will also be adjusted following the insurer’s risk assessment and any changes to their base rates over time.
How We Help
How We Help
Clients Feedback
Testimonials from some of our happy clients.
"Thanks so much for taking the time & explaining the ins & outs. Finding me the best product for my situation. Really appreciated it."
"Great people and very helpful. Jared went above and beyond for my wife and I, lovely man."
"Great experience with my advisor! So easy to work with and took the time to understand me and want I wanted."
"I want to thank Caleb for his amazing work that he did for my husband and I. I had spent months trying to find the best options for us and had almost given up. I answered a phone call one day from Caleb and in under 1 month he has managed to get us signed up to the best package for us and our life. I am so grateful for all of your work and guidance. Thank you for making everything so easy!"
"Man this guys needs a raise or something, exceptional service, delivery professional and always concerned about my needs and my kids, one thing that stood out he understood the importance of "family"& Future. Sam the MAN! For president! thanks brother!"
"Invicta financial provided exceptional service, making insurance easy to understand and tailored to my needs as a young professional. Their team was attentive, proactive, and always available to answer my questions. Thanks to their expertise, I now have comprehensive coverage at an affordable price, giving me peace of mind. Highly recommend!"
What do most Kiwis do?
"Very helpful team, my advisor was awesome and accommodated mine and my partners needs. Recommended to my friend who also found them great."
Kiwis often get the first quote and take it.
Whether that's from their bank, someone who called them out of the blue, or from their existing insurance provider.
Many don't know that different providers have different pro's and con's. Depending on your situation, one might work better for you than another.
That's where we come in. We'll have a short conversation with you about what you need covered, then go out and find the right deals to fit.
And if we can't find anything? Or if you have the best deal already?
We'll let you know and give you genuine trustworthy advice.
"Very helpful team, my advisor was awesome and accommodated mine and my partners needs. Recommended to my friend who also found them great."
Breaking the Mould in Financial Advice
Invicta Financial was founded by Tom and Lucas with a vision to do things differently.
We wanted to step away from outdated industry traditions and create a financial advisory firm that’s always innovating and never afraid to have fun along the way.
Our Goal: To be your go-to for all finance needs with advice that's smart, transparent, and genuinely in your best interests.
Nationwide Expertise, Local Feel – We work with Kiwis everywhere. No matter where you are, you’ll get advice that’s as personal as if we were sitting across the table.
Fresh, Modern, Relevant – We leave the old-school ways behind. Our advice is clear, jargon-free, and tailored to fit your life right now, and where you’re heading.
Fee-Free and Focused on You – You won’t pay us a cent for our advice. Instead, we focus on creating a personalised plan that puts your goals first.
Everything in One Place – Insurance, KiwiSaver, mortgages, we bring it all together so your finances are simple, connected, and easy to manage.
60-sec form
No obligation
Why Invicta Financial?
Frequently Asked Questions
Clear answers to help you make confident financial decisions.
Do I really need Health Insurance?
New Zealand’s public health system is great, but it can mean long wait times for non-urgent care.
Health Insurance can give you faster access to treatment, your choice of specialist, and peace of mind knowing you won’t be hit with unexpected costs.
What does Health Insurance actually cover?
Depending on your policy, Health Insurance can cover hospital treatment, surgery, specialist consultations, diagnostic tests, and sometimes even day-to-day medical costs.
Our partners can help you find a plan that fits your needs and budget.
Is Health Insurance expensive?
It doesn’t have to be.
Premiums depend on things like your age, health, and level of cover, but there are plenty of affordable options.
Our partners will help you compare plans so you only pay for the protection you actually need.
Does Health Insurance cover pre-existing conditions?
It depends on the provider and the condition. Some may apply stand-down periods or exclusions, while others will cover certain conditions after a set time.
Our partners can explain what applies to your situation.
What’s the difference between hospital cover and comprehensive cover?
Hospital cover usually focuses on major treatments and surgeries, while comprehensive plans can also include GP visits, dental, and optical benefits.
Our partners can help you compare both to see what suits you best.
Get a Quote
Comparisons, quotes, and trusted advice.
Here to make insurance simple, real conversations, clear guidance, and recommendations that put your family first.
Get personal advice from someone who understands your goals and helps you find the right cover, without the pressure.
"Invicta financial provided exceptional service, making insurance easy to understand and tailored to my needs as a young professional. Their team was attentive, proactive, and always available to answer my questions. Thanks to their expertise, I now have comprehensive coverage at an affordable price, giving me peace of mind. Highly recommend!"
Testimonials
John Doe
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Jane Doe
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Get Started
Get in Touch With Us
Auckland Office:
QBE Building, Floor 23/ 125 Queen Street, Auckland Central, Auckland 1010
Wellington Office:
Level 3, 56 Victoria Street, Wellington Central 6011
Christchurch Office:
Second Floor/45 Mandeville Street, Riccarton, Christchurch 8011
Phone:
0800 INVCTA (0800 468 282)
Email: