Step 1: Free Discovery ChatWe talk about your business, people, goals, and risk areas.
Health Insurance Hawke's Bay
Clear, personalised health insurance advice to help you access private treatment sooner, without the stress.
Why Health Insurance Matters
New Zealand’s public healthcare system does an incredible job, but waiting lists are a real challenge. When you need specialist care, diagnostics, or surgery, delays can cost you time, income, and peace of mind.
Health insurance gives you faster access to private treatment, so you can focus on your health and recovery rather than waiting months or even years for care. For many people, it’s about having choice, control, and certainty when it matters most.
We help Hawke’s Bay clients understand their options and choose health cover that makes sense for their lifestyle, family, and budget.
Meet Lou
Your Local Insurance Adviser
With 20+ years of experience in the NZ and UK financial industries, Lou Grinstead helps people make sense of insurance and feel confident about their decisions. She’s relatable, straight-talking, and genuinely here to help you protect what matters most.
Lou started The Insurance Team to offer a fresh, human approach to insurance. Not corporate. Not salesy. Just honest advice, ongoing support, and someone who actually has your back when life gets messy.
While Lou is the face of the business, you’re supported by a small, growing team, ensuring you get personal service with the capacity to support your long-term needs as your business grows.
Why Choose The Insurance Team
Independent, Transparent Advice
We’re not tied to one insurer. We compare multiple providers to find the right fit for your business, not the most expensive option.
Support at Claim Time
If something happens, you call us, not a call centre. We guide you through the process, answer your questions, and make sure you feel supported every step of the way.
Clear, Simple Explanations
Insurance shouldn’t feel overwhelming. We explain everything without the jargon so you can make confident, informed decisions.
Advice Built Around You
Your insurance should reflect your lifestyle, income, health, and goals.
Ongoing Reviews
Life changes. Your cover should too. We stay involved as your needs evolve.
How the Process Works
Step 2: Compare Your OptionsWe analyse multiple insurers to find realistic, tailored cover that fits your budget.
Step 4: Setting things upOnce you’re ready, we handle the setup and guide you through each step of putting your cover in place.
Skip the Waiting List with Private Health Insurance
Serious health conditions don’t always require immediate emergency treatment, but they can still significantly impact your life. Long wait times for surgery or specialist appointments can mean extended time off work, ongoing discomfort, and added stress for you and your family.
Private health insurance can help you:
Access specialists and treatment sooner
Reduce time away from work
Avoid long public waitlists
Choose where and when you’re treated
What Health Insurance Can Cover
Health insurance policies vary, which is why advice matters. Depending on the cover you choose, health insurance may include:
● Specialists & Surgery: Faster access to private specialists and surgical care
● Diagnostics: MRI, CT scans, and other tests without long delays
● Cancer Treatment: Cover for private treatment, medications, and care
● Hospital Care: Private hospital stays and procedures
● Optional Extras: Depending on the policy, options may include dental, optical, or day-to-day care
We’ll help you understand what’s included, what’s not, and what’s actually worth prioritising, so you’re not paying for cover you don’t need.
It's peace of mind
Lou has been absolutely fantastic to work with in getting all of our insurance sorted. For the first time, we feel fully covered with a clear understanding of exactly how our plans have been tailored to suit our needs. In the past, I’ve always had insurance but never taken the time to go through it in such a comprehensive way. Lou made the whole process easy and stress-free, breaking everything down so we knew what we were paying for - and more importantly, what we didn’t need. It's such a peace of mind knowing we’re not only properly covered but also not overpaying or doubling up on anything. We honestly couldn’t recommend Lou more highly!
- Lisa & Josh
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
A fantastic broker providing exceptional options and advice
The Insurance Team NZ is a great option for any life/health insurance needs. My partner and I decided to go with them and Louise Grinstead has been a fantastic broker and has provided exceptional options and advice. We highly recommend The Insurance Team NZ.
- Liam Barry
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
Amazing to deal with all things insurance
Lou was amazing to deal with all things insurance, she organised our home & contents insurance along with medical and life insurance. She was an absolute pleasure to deal with.
- Thomas Stanaway
Ready to Take Control of your Healthcare?
We work with clients across Napier, Hastings, and Havelock North, tailoring health insurance to your lifestyle.
Get personalised advice from a Hawke’s Bay insurance adviser who genuinely cares about helping you stay protected.
