Category

Life, Health & Income Insurance

Plain guidance on the cover that protects you and the people who depend on you: what life insurance and health insurance do differently, how income protection and trauma cover fit in, and what to weigh up. Each section will group related guides so you can compare options with less jargon.

01

Life Insurance

Guide

Life insurance in NZ: how to size your cover

What life insurance pays, how to work out your sum insured, and the real difference between term and whole of life.

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02

Health Insurance

Guide

Health insurance in NZ: what it covers and how it works

How private health cover sits beside the public system, how it is priced, and what waiting periods really mean.

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03

Income Protection & Trauma

Guide

Income protection and trauma insurance: what each covers

How income protection replaces your pay while off work, and how trauma cover pays a lump sum on a serious diagnosis.

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Not financial advice

WorthNav provides general information only. The guides on this page don't take your personal circumstances into account and aren't personal financial advice. Insurance premiums, features and exclusions vary by provider and policy and can change. For something tailored to you, talk to a licensed adviser or your insurance provider.