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Health insurance

Get access to the healthcare services you need, when you need them

Life is full of unexpected ups and downs, making protecting yourself and your family one of the most important things you can do. Health insurance helps you access the healthcare services you need, when you need them. It provides an alternative way of paying for treatment so you can use private healthcare services.

This might suit you if…

  • you'd like the security of knowing you have immediate access to private healthcare services when you need them
  • you’d like to manage the cost of medical expenses
  • you want flexibility and choice when choosing your level of cover.

Here’s what you get:

  • Your choice of three covers - day-to-day, surgical-only or comprehensive.
  • Fast access to private healthcare services with cover for medical expenses.
  • More options, which may include allowing you access to services, treatments and drugs that you otherwise may not be able to afford.

Talk to your Adviser
or call us on

0800 267 263

Monday to Friday
8:00am - 6:00pm

How much your health insurance cover costs may depend on a number of factors, including:

  • your age
  • gender
  • smoking status
  • the options you have selected.

Talk to an Adviser who will develop a plan to suit your needs and budget and advise how much your cover will cost.

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How health insurance works

Health insurance helps to ensure you have fast access to the right private healthcare services, when you need them. This helps you to avoid long waiting lists and gives you more choice over when to have your treatment.

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Your health insurance options

You can choose from the following options:

  • Day-to-day health cover which pays or part-pays for things like doctor visits, dental and optical appointments, physiotherapy, chiropractic and more.
  • Surgical-only cover which pays or part-pays for elective (non-acute) surgery. Some specialist consultations and diagnostic procedures may be included, or you can add additional cover.
  • Comprehensive cover which may include day-to-day cover, surgical cover, specialist consultations, non-pharmaceutical drugs and diagnostic procedures.

The medical treatments and expenses covered depend on the level of cover you choose. Health insurance can cover or partly cover a wide range of treatments and procedures, including:

  • doctor visits
  • dental appointments
  • optical appointments
  • physiotherapy
  • chiropractic appointments and treatments
  • elective surgery
  • specialist consultations
  • diagnostic procedures.

By talking to an Adviser, you can get help deciding which level of cover is right for you. They can tailor a plan to meet your needs and budget.

Health insurance is good for your health. It can help to eliminate the financial stress associated with being ill because you know you’ll be accessing private healthcare services, with your qualifying medical treatments covered.

If you’ve got kids, you’ll know how their medical expenses (like grommets or optometrists) can quickly add up. If you consider major health issues (i.e. cancer), health costs can run into the hundreds of thousands, due to expensive treatments that may not be available on the public health system.

Health insurance can help you manage medical expenses and reduce the financial worry.


Get started
Apply for health insurance

If you want to protect you and your loved ones against the unexpected with health insurance, it’s good to talk to an Adviser. They can talk you through your personalised options and help you decide which suits you best.

Find an Adviser
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See our range of personal insurance options

See how life insurance can help you

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Understand how the claims process works

Get help from an Adviser

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Important information

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This information provides a general summary of the key features of the products described and is subject to change without notice. Terms, conditions, criteria, definitions and exclusions apply as set out in the relevant policy document and schedule. In addition, waiting periods, qualifying periods, no claims periods, and/or survival periods may apply. Full details are set out in the policy document and schedule, which is available on request. Applications for cover are subject to approval by AMP Underwriting. 

The content on this website is for information only. The information is of a general nature and does not constitute financial advice or other professional advice. Before taking any action, you should always seek financial advice or other professional advice relevant to your personal circumstances. While care has been taken to supply information on this website that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission.

A disclosure statement is available from your Adviser, on request and free of charge.