Healthcare

Healthcare in New Zealand

New Zealand has a two-tier healthcare system combining public and private options, plus the unique ACC scheme that covers all accident-related injuries.

Public Healthcare System

Eligibility: Free public healthcare available to residents and those who have held a valid work visa for at least 2 years. Immediate family members of residents also qualify.

What's Covered: Hospital treatment, specialist consultations (via referral), maternity care, and most prescriptions (small co-pay: NZD $5 per item, $15 per family max every 6 months).

GP Visits:

• Residents enrolled in public system: NZD $20-50
• Expats/non-residents: NZD $75-120
• Children under 14: Free

Wait Times: Major downside of public system. Non-urgent specialist appointments can take months. Elective surgery wait times vary widely - can be 6-12 months for some procedures.

Private Healthcare

Many expats opt for private health insurance for faster access and broader coverage. Private specialist consultations cost NZD $150-300.

Private Insurance Costs:

• Basic plans: NZD $580-1,160/year (GP visits, emergencies)
• Comprehensive plans: NZD $1,400-2,000/year (hospital care, specialists)

Major Providers: Southern Cross, NIB, AIA, Partners Life

ACC - Accident Compensation Corporation

Unique to New Zealand: No-fault personal injury cover for everyone in the country, including work visa holders and tourists.

What ACC Covers:

• All accident-related injuries
• Medical treatment for injuries
• Rehabilitation and recovery support
• Compensation for lost income (80% of earnings)
• No need to prove fault - automatic coverage

How It Works: Funded through levies on workers (1.67% of income), businesses, and motorists. You cannot sue for personal injury - ACC is the sole compensation system.

For Expats: This is a significant benefit. A broken leg while hiking or injury from sports? Covered. Treatment is free, and if you can't work, ACC pays 80% of your salary. Reduces need for comprehensive accident insurance.

For New Arrivals

1. Work Visa Holders: Qualify for public healthcare after 2 years
2. Students: Must have insurance - schools typically provide/require plans
3. Visitors: Travel insurance strongly recommended, though ACC covers accidents
4. Residents: Immediate access to public healthcare

Mental Health

Mental health services available through public system via GP referral, though wait times can be significant. Private psychologists/therapists cost NZD $120-200 per session. Growing number of online therapy options.

Pharmaceuticals

PHARMAC funds subsidized medications. Most prescriptions cost only NZD $5 per item with $15 maximum per family every 6 months. Non-subsidized medications can be expensive.