The Real Cost of Not Having Health Insurance in NZ

15 Jul

New Zealand’s public health system is world-class — but it’s also under strain. Wait times are growing, and not all treatments are publicly funded. Health insurance helps you take control.

Common Costs Without Cover

Private specialist consult: $250–$400
MRI scan: $1,500–$2,500
Surgery (e.g., hernia repair): $6,000–$15,000
Cancer treatment: $10,000–$100,000+ if not publicly funded

The Real Risk: Waiting

For non-urgent surgeries, wait times can be 6–18 months or longer. Private health insurance gives you faster access to:

Diagnostics and scans
Specialist consults
Elective surgeries
Non-PHARMAC cancer drugs

Who Should Consider It?

Families with young kids
Self-employed or contractors
People with high-deductible trauma/income protection policies
Anyone wanting more control and less waiting

Sorting out insurance doesn’t have to be scary. We’re here to make it simple and tailored to you. Whether you're starting a family or simply want peace of mind, get in touch for a no-obligation chat.

📅 07 213
📩 support@legaseed.co.nz
🌐 www.legaseed.co.nz

Legaseed NZ Ltd (FSP1005404) holds a licence issued by the Financial Markets Authority and provides financial advice in relation to financial & retirement planning, investments, KiwiSaver and personal risk insurance. Our disclosure information can be found on our website www.legaseed.co.nz, or is available on request and free of charge.