Pick your scenario

Most health-insurance comparison shows the same generic table for everyone. Scenarios rank policies on the clauses that actually matter for your life situation.

Each scenario runs 5-ish targeted semantic queries across every clause of every NZ health-insurance policy wording we have, then ranks policies by aggregate fit. Mechanical retrieval, not personalised advice.

First policy for a puppy or kitten

Lifetime cover starts at signup — what matters when your pet is healthy and young.

Breed prone to hereditary conditions

Labrador hips · Cavalier mitral valve disease · Bulldog respiratory · Boxer cancer.

Older pet with existing condition history

Pre-existing condition handling, age caps, and chronic-care sublimits.

Dental cover focus

Periodontal disease, dental surgery, preventive cleaning — wildly variable across NZ insurers.

Behavioural conditions + anxiety

Separation anxiety, aggression, noise phobia — the policy market is shifting on this.

Budget-conscious — essential cover only

Lowest premium that still covers the catastrophic events.

Don't see your scenario?

Run a free-text semantic search across every clause directly — works for any specific treatment, condition, or coverage question.

Try clause search