hi top catHi there
If you want to look at private health insurance, try Southern Cross Healthcare Group.
However, unlike many countries, it isn't essential to have insurance. The health service here is similar to the UK (some variations, but generally the ballpark cost to you will be the same). And like the UK, non-urgent treatment will take longer than if you went privately.
Some will beg to differ with me - but we've had to use the health service here for both urgent (heart attack) and non-urgent (minor hernia) treatments, and have been very pleasantly surprised. But we do live near Auckland - in more out of the way places there will be differences.
thanks for getting back to me very helpful info,i wanted to no because i heard you have to pay if you go to doctors like for cold,pains,just don't feel well etc,and it could cost $20-$30 for each visit and with 3 kids could work out a lot of money over the year thanks again Dan...