Medical & Health Insurance Cover..

Information and common-sense advice on your options for
arranging affordable & dependable medical insurance
cover in New Zealand..

Information & advice on your options

Which type of insurance plan should you choose?

Which company has the best health insurance policy?

Insurance premium calculator

Use our premium calculator to show the approximate premiums for all medical insurance plan options

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Includes insurer comparison, personal quotations and specific recommendations for the best health & medical insurance cover for you..

What our clients say about us..

"In today's busy world, the thought process alone for choosing, understanding & signing insurance documents, can be enough to keep it in the too hard basket. Then along came Steve Vosper. Not only did he guide us with which insurance would best suit our needs, he made the entire process, right through to signing on the dotted line, a breeze! We wouldn't hesitate to recommend Steve to anyone considering insurance"

Sharon Stevens - Auckland

"Starting out as a confused health insurance applier, Steve managed to take the hassle out of choosing the best insurance company which suited my personal requirements. He replied to any queries in a prompt, professional and friendly manner while clearly having a good understanding of the variety of insurance policies on offer. I have already recommended his service to a friend and would readily do so again. "

Susanna Arnold - Wellington

"Buckingham Cape and Medical Direct have looked after our family insurance requirements for over 10 years. They have always kept pace with a competitive marketplace and continue to adapt to our changing family needs.

They continue to deliver a first rate service with very competitive prices. I have previously recommended them on numerous occasions and will continue to do so"

Mike Riley, Tauranga.

"I came across Steve Vosper of Buckingham Cape thru a Google search in 2002. He came to see me at my workplace and I found him knowledgeable, friendly, funny and very easy to deal with. 11 years down the track he not only looks after my insurance requirements but that of my husband and daughter. We highly recommend him! "

Vanessa, Dwane & Tyler Brown - Auckland

"Steve made what could be a most complex process very simple - his advice on insurance options was very clear and took into account our needs and circumstances..

The fact that he was happy to recommend an additional provider once we'd gone all the way through the application process with another (but were not happy with the outcome) is testament to his patience and customer service focus - we are more than happy to recommend him"

Tim Huston and Tessa Shaw

'As we were new to the minefield of Medical Insurance in New Zealand, it was nice to get some good and honest feedback from Medical Direct as to exactly what policies were suitable for our particular circumstances.  

Their consultant worked with us to get the insurance up & running with minimal fuss, which is exactly what you need when you arrive in a new country. 

I would not hesitate to recommend them.'

Jill & David Hayman, Auckland.

"As first-time insurance buyers, Buckingham Cape took the hard work out of choosing the best products to suit our needs.

They provided us with a range of options, and provided useful, unbiased advice and recommendations in helping us make a decision.

Highly recommended."

Richard Henderson, Wellington.

"Arriving in New Zealand we were very confused by the range of insurance companies and their plans.

Medical Direct provided good information and advice and made the whole process straightforward and painless.

We would highly recommend their services"

Ian & Sarah Rose, Christchurch.

"I was first introduced to Buckingham Cape through my present employer and this led me to meet with Steve Vosper. Steve made the whole process of understanding the various benefits of medical and life insurance premiums extremely easy and helped me in making the right choices to safe guard my families’ future.

Since the first meeting, I have once again had the need to review my insurance details and have continued on a 'personal note' to contact Buckingham Cape and in particular Steve. We customers always want great service and I feel I receive this from Steve and Buckingham Cape,

I would have no hesitation in recommending Steve to anyone looking for quality financial advice".  

Terry Campbell. North Shore, Auckland

"Deciding whether to get medical insurance or not was often on our minds but when I came across the Medical Direct website it was an easy process to get advice on what policy we should look at. 

Due to personal reasons, the time between the enquiry and getting the policy up and running took some months.  However, my consultant was very patient and was in contact with me on a regular basis.  He was never pushy and for that it made me progress with the policy.  Filling in the forms was pretty straight forward and any questions were answered via email.

I would recommend Medical Direct to anyone requiring medical insurance"


Liz Dark, Havelock North.

"We've met with many insurance agents over the last decade and we've received varying levels of service - Steve Vosper from Buckingham Cape has been by far the most to-the-point, comprehensive and professional. 

His ongoing support and knowledge of this industry and its products has been awesome.  He's always treated us as individuals and responded quickly to any questions we've had or changes in our circumstances (as when we had our first child). 

We'd highly recommend Buckingham Cape to anyone seeking quality common-sense advice "  

Chris & Helen Bolton-Jamieson, Torbay, Auckland.

"As new immigrants to this country, Steve's advice was invaluable.

He does not just provide excellent and a very professional service, he gives you peace of mind. We would not hesitate in recommending Steve to anyone, but especially new immigrants, seeking financial advice."

Jola & Kobus Koegelenberg, Howick, Auckland.

"From the moment I hit send from the internet enquiry screen to the first contact with Steve Vosper, I had so many questions and all of them answered.

Poor Steve - I threw all different scenarios at him and we came up with the best Medical and Life Insurance package all in one, and the great thing was we are paying less for both comprehensive Medical cover and Life Insurance than what we were paying for Life Insurance with another provider. 

Steve over delivered on service - everything was emailed to us the very next day so it was fresh in our minds and hard copy followed in the mail, and he always let us know where the policies were up too, every step of the way.  We wouldn’t hesitate in recommending Steve and Buckingham Cape to anyone."

Julia & Simon Austin, Christchurch.

"The Medical Direct website was easy to use - the requested information was delivered the next day - endless questions answered and completely painless paperwork

Excellent service !!"

Andy Healy, Auckland

“Our dealings with Steve and the team at Buckingham Cape have been excellent.

The range of services offered have far exceeded our expectations and have included everything from interpreting confusing legal jargon, putting plans in place quickly and efficiently and offering to help whenever we needed advice or support.

We highly recommend Buckingham Cape’s services: Steve and his team make insurance easy!”  

Fiona McIntyre - Director Passionberry Cocktail

"We met Steve 10 years ago when he was recommended to us by our then banker.

With regards to insurance and everything that is related, this was the best that could ever have happend to us; Steve was and is always there if we need him.

He always looked out for the best product to fit our needs; even if we changed our minds he never got tired of trying to find a new product or a different solution.

Steve is definitely independent: we never had the impression that he wanted to sell us insurance. On some occasions he even recommended against an insurance product which we thought would be a good one and rather modified the existing one than just selling another one or new one to us which would certainly have given him an extra income.

Steve is a great, honest and easy to get on with, and we are thankful and greatful for all his help over the years and the stress that we must have cost him"

Katalina and Uwe Grossman, Auckland

"A very professional service !

When we started out there seemed to be a multitude of different policies and providers, but Steve helped us consolidate our ideas and identify the policies that best-suited our personal needs. He did all of the legwork and most of the paperwork, and for that we are very grateful.

Altogether, a fantastic service that I have no hesitation in recommending…"

Tim Ibbotson, Castor Bay, Auckland.

"For many years I have been working with Buckingham Cape as my insurance advisor and it has been great.
No question or request is ever too much for Steve. He is always there when you need him for advice.

The service you get is fast and clear. Steve checks all the options and it gives you a comfortable feeling knowing you have the best service that is out there.

Without a doubt would I recommend Steve Vosper to anyone"

Martine Ravays - Auckland

"Steve was very helpful to Joy and I when we needed health insurance.

Fast, efficient service that provided us with the cover we needed at a very reasonable price - just as well because we needed to use it in a short period after receiving cover, and Steve was able to guide us through the process and liaise with the insurer"

Joy & Max Cummock - Porirua

"I have nothing but high praise for Steve Vosper and Buckingham Cape. 

He approached me through a work initiative and ended up reorganizing all my insurance, setting up my Kiwisaver and drawing up my current will! 

He is totally professional but at the same time incredibly friendly and helpful.  Insurance and finance in general is not something that excites me so Steve has always explained things in a very straightforward manner and advised me as to what schemes would work best for me – taking the hard work out of what would otherwise be time consuming and laborious decisions!

I would have absolutely no problems about recommending his services to anyone!

Nicola Garland, Takapuna, Auckland

"We were very satisfied with the service we received; the information provided was easy to understand and relevant, and the follow up service to get our applications approved was excellent - thank you"

M Farrell, Auckland.

"We were looking for medical insurance following a two year stint overseas and our previous insurer had closed their scheme. We had a number of difficulties but received excellent advice and assistance from Medical Direct and have no hesitation in recommending their services"

M E S and B Crisp, Tauranga.

"We found Medical Direct to be very friendly and patient in taking the time to explain our options to us.

We were very happy with the service at the time, and even more so when we had our first claim only three months later"

D & G Chance, Auckland.

"I was really pleased with the service I received from Medical Direct.

My initial enquiry via the website was answered promptly and our options were well explained.

The advice that I received has proved to be sound and I am very happy with the policy that was recommended"

Diane Whyte, Nelson.

"Shortly after arriving in the country, we requested a quotation on insurance from Medical Direct. 

Our consultant was sincere, and patiently waited for us to settle and make our decision. He provided good information and advice.

We would highly recommend them"

H & P May, Browns Bay, Auckland.

"Both my husband and I found our consultant a delightful person to deal with. He explained the information he sent us in such a way that it was easily understood. With his help we feel we have made the right decision"

B & G Carter, Sth Otago.