Provincial - Locally Owned, Globally Connected.


Life Cover pays out in the event of your death – either as a lump sum or as a monthly benefit. This type of cover can support the loved ones you leave behind, and if you're a business owner or shareholder, it can also secure the business' long-term survival.

Leaving a lump sum to the people who matter most If your family need your income to survive, TotalCareMax Personal – Life Cover can help them to cope financially without you.

Leaving a lump sum to take care of your business partners Businesses can be at risk when a partner dies. TotalCareMax Business – Life Cover can make it easy for surviving partners to take over your share and keep the business running.

Creating an ongoing monthly income for your family If you’d rather leave your family with an ongoing monthly benefit, instead of one big lump sum, you may prefer TotalCareMax Family Protection.

If you had an accident or illness that affected your ability to earn, what would happen to your partner, children, home and lifestyle?

Protecting your ability to earn income Temporary disablement due to sickness or accident is a risk that can touch many lives. TotalCareMax Income Protection safeguards your power to earn.

Coping financially with a serious illness From stroke and heart attack to cancer and kidney disease, serious illness can occur without warning and require major changes in family life. TotalCareMax Living Assurance helps to keep your family finances in good health while you recover.

Maintaining your family’s lifestyle in the face of total permanent disablement Nobody likes to think about the prospect of long-term illness or disability, but for 29% of New Zealanders this will be a reality.1 Total Permanent Disablement (TPD) cover provides a lump sum that can be used in any way you wish to help secure your family's future.

Health Insurance

Provincial has access to all major health insurance policies. We can provide you with the most competive prices ...

Insure while you're healthy It makes sense to get health insurance when you’re fit and healthy as you’re unlikely to get cover for problems you already have (pre-existing conditions).

Making health insurance affordable To keep health insurance affordable, our policies focus on cover for the big expenses rather than regular expenses like GP and dentist visits. You can also reduce costs further by choosing a higher excess.