Pulse Advice helps you find health insurance that fits your lifestyle, your budget, and your family’s wellbeing.
Our Trusted Providers





Health insurance helps you skip the long public waiting lists and get treated sooner, when it matters most.
It covers private hospital care, surgeries, specialist consultations, and diagnostic tests, giving you more control over your health and your recovery.
Working with Pulse Advice on your health insurance means working with a team that will listen to your needs and adapt.
If you want health insurance, you obviously know the value of getting good care, fast. Pulse Advice believes in the same value when working with us.
We take the time to understand your circumstances, find quotes and providers that match your needs, then present them in an easy to understand way so you can choose the best cover for you.
Let's start the conversation.
Get in touch for a free, no pressure, no-obligation consultation to discuss your needs. Whether it's a brand new strategy, or some minor tweaks we're on your side.
Click below to fill out our contact form.
We offer a comprehensive range of financial protection services to secure every aspect of your life
Provides a lump-sum payment to your loved ones if you pass away, which can help them manage financially.
Pays a monthly benefit, like a regular salary, if you're unable to work due to illness or injury.
A one-off payment if you're diagnosed with a specified serious illness, like cancer or a heart attack.
Covers the cost of private medical care, helping you bypass public waiting lists for treatment.
Financial support if you become permanently disabled and are unable to work again.
Expert guidance to help you make the most of your Kiwisaver, from fund selection to retirement planning.
At Pulse Advice, we’re proud of the trust our clients place in us. Here’s what they have to say about working with our team.
Insurance & KiwiSaver
"It’s a great peace of mind knowing my insurance and KiwiSaver are set up correctly.
Highly recommend Pulse Advice!"
Medical Insurance
"Michael was able to listen to our needs and came up with a solution that both my wife and I are super happy with.
He made the process very easy, stoked that we are now covered."
KiwiSaver
"Harper was great to deal with.
He took the time to explain everything clearly and made sure I felt confident with my KiwiSaver choices. Really appreciated the guidance throughout"
Insurance & KiwiSaver
"I received advice on both KiwiSaver and insurance in general.
The adviser took the time to understand my situation, explained the options in clear terms, and provided well-reasoned recommendations; process was transparent and efficient."
Life Insurance
"Michael was very efficient with the paperworks online and it was a breeze for us who are not so tech-savvy.
I would highly recommend Pulse Advice. Thanks to our trustworthy adviser Michael!"
Health insurance covers private hospital treatment, things like surgeries, specialist appointments, scans, and diagnostic tests. Some policies also include non-PHARMAC medications, post-op care, and certain add-on dental, optical or GP benefits, depending on the plan.
Health insurance doesn’t cover everything. Most policies exclude things like routine GP visits, pre-existing conditions (unless disclosed and accepted), and cosmetic procedures.
Some plans also have limits around mental health and non-urgent treatments.
We’ll make sure you know exactly what’s in and what’s not before you sign anything.
Health insurance gives you faster access to treatment, more choice in how and where you're treated, and less stress when your health takes a hit.
Needing surgery and having to wait six months for it are two very different things.
There are a lot of options out there and not all of them are worth the price tag.
We’ll help you figure out what level of health insurance cover fits your needs and budget, explain the trade-offs, and recommend a policy that actually makes sense for your situation.
That’s a good start, but workplace cover often ends when you leave your job and might not be enough to protect your family properly.
We’ll look at what you’ve already got and see if it needs topping up or adjusting to fit your current situation.
Usually, not long at all. We’ll ask a few questions, fill in the forms for you, and liaise with the insurer if they need extra details.
Once approved, your cover can start straight away. We’ll keep you updated the whole way through so there are no surprises.
We’ll walk you through it.
Most of it can be done online, but if you’d rather meet in person, we’re more than happy to make that happen.
Most of the time there are no waiting periods once your policy is in place; however, some benefits do have waiting periods, especially if you want pre-existing conditions to be covered.
Ready to take the next step? Fill out our simple form, and we’ll get in touch to provide tailored advice that works for you. It’s quick, easy, and designed to make your life easier!