Health insurance in New Zealand is primarily funded by taxes, making it free at the point of service. Private insurers, ACC, and primary health organisations (PHOs) are the main providers. Health Cover NZ is a comprehensive health insurance solution, underwritten by the largest insurer, Southern Cross. Offering various health cover options, including for pre-existing conditions, it seeks to provide individualized care and services. The platform also provides health coverage worldwide when needed, reducing unnecessary medical bills. Health conditions related to alcohol and drugs are not covered, unless prescribed by a GP.