Many NZ families keep paying for cover that no longer fits. Check whether your premiums, protection, and current situation still line up.
No obligation. Secure and confidential.
30,000+
Kiwis helped with cover decisions
Review
premiums, gaps, and suitability
$0
cost to check your options
Choose your check
2 min
Income Protection
If you could not work tomorrow, how long would your savings last? Review your runway and whether your income is properly protected.
Check my income cover
2 min
Life & Mortgage Cover
Would your family and mortgage still be secure? Check whether your life cover still fits your responsibilities.
Check my life cover
2 min
Medical Insurance
Health premiums can creep up over time. Review whether your medical cover, excess, and family needs still make sense.
Check my medical cover
How it works
1
Answer 5 questions
Quick, anonymous. No personal info until the end.
2
Get your result
See your actual cover gap with a personalised number.
3
Talk to an advisor
One free, no-pressure conversation. No obligation to buy.
CoverCheck NZ
Independent NZ insurance advisers helping people review premiums, cover quality, and insurer options without pressure.
Secure & confidential
No spam, no hard sell
NZ-based advisers
Free review
CoverCheck NZ provides a free initial review. Any advice should consider your personal circumstances, budget, and policy terms. Privacy Policy.
Income Protection Check
What's your financial runway if you can't work?
Step 1 of 5
Question 1 of 5
What's your current employment situation?
Question 2 of 5
What's your approximate monthly income (after tax)?
$5,000 / month
$1,000$20,000+
Question 3 of 5
How many months could you survive on savings if you stopped working today?
Question 4 of 5
Do you have people who depend on your income?
Question 5 of 5
Do you currently have income protection insurance?
Your estimated cover gap
$0
Based on your answers
Your runway0 months
RiskyProtected (24+ months)
Get your free personalised income protection report A qualified NZ advisor will review your situation and show you what cover actually costs — usually less than a coffee a day.
No spam. No hard sell. By submitting, you agree CoverCheck NZ may contact you about your free cover review. See our Privacy Policy.
Question 1 of 5
Do you have a mortgage or significant debt?
Question 2 of 5
What's your outstanding mortgage or total debt?
$400,000
$0$1.5M+
Question 3 of 5
Do you have children or dependants who rely on you?
Question 4 of 5
What's your household income?
$90,000 / year
$30k$300k+
Question 5 of 5
How much life insurance do you currently have?
Estimated cover gap
$0
Based on your answers
Get your free personalised life cover report We'll show you exactly how much cover your family needs, and the most affordable way to get it.
No spam. No hard sell. By submitting, you agree CoverCheck NZ may contact you about your free cover review. See our Privacy Policy.
Question 1 of 5
Have you or a family member been on a public hospital waitlist in NZ?
Question 2 of 5
How quickly would you want to see a specialist if something was wrong?
Question 3 of 5
What's your age range?
Question 4 of 5
Do you have any pre-existing health conditions?
Question 5 of 5
Do you currently have private health / medical insurance?
Your estimated public wait time
4–6 months
For specialist consultation in NZ
Get your free personalised medical cover comparison We'll show you what private cover costs for your exact profile — many people are surprised how affordable it is.
No spam. No hard sell. By submitting, you agree CoverCheck NZ may contact you about your free cover review. See our Privacy Policy.
You're all set!
One of our NZ-based advisors will call you within 1 business day. The conversation is free, friendly, and there's zero pressure to do anything.