Kia ora, I'm
Insurance Adviser
Life, health, trauma and mortgage protection advice. Based in Hamilton and advising families NZ-wide by video, in English, Hindi or Punjabi.
Real client reviewsEnglish · हिन्दी · ਪੰਜਾਬੀAdvice through Peak Financial Services
Health professional background
Compares multiple NZ insurers
English · Hindi · Punjabi
Free first chat, no pressure
Leveraging 20 years of invaluable experience in the health industry, combined with my personal insight as a mother of two and an insurance client myself, I understand both sides, and I truly recognise what proper cover means at a time of hardship. My approach is client-centred and comprehensive. I am focused entirely on ensuring that every recommendation and piece of advice is meticulously tailored to meet your specific needs and long-term goals, supporting you and your family when it is most needed.
“Trust is at the heart of the relationship between you and your adviser. I earn it through honest advice, clear communication and always putting your interests first.”Book a free chat with me
I compare options across New Zealand insurers and recommend what fits your family and budget.
Travelling soon? Get an instant travel insurance quote online.
Get a travel quoteOngoing support, not just a policy. My relationship with you as your adviser continues well beyond the day your policy is put in place. I review your cover with you as your circumstances change, and should you need to make a claim on cover I have arranged, I will guide you through the process and help you understand what the insurer requires. The final decision on any claim rests with the insurer.
Real reviews from clients, shared on my Facebook page.
"I recently worked with Sugandha to set up our life and trauma insurance, and the experience was fantastic. She is incredibly thorough and has a calm, patient approach that made a complex process feel very straightforward. She answered every single one of my questions with clarity and never made me feel rushed. It's a definite 5/5 from me, and I'll certainly be continuing our family business with her in the future."
Pranav Pota
"I had an excellent experience working with Sugandha Arora. She took the time to understand my needs, explained all the policy options clearly, and helped me find cover that suited both my health needs and budget. No pressure, just honest advice. I felt well-informed throughout the process and would confidently recommend her to anyone looking for health insurance."
Kashish
"I recently purchased a policy and had an excellent experience with Sugandha Arora. The entire process was explained clearly and in a straightforward manner, with no hidden terms or conditions. Sugandha is professional, courteous, and very helpful throughout. I highly recommend contacting her if you're looking for clear guidance and a smooth experience."
Rupali Sharma
A simple, personal process, with you at the centre of every decision.
A free, no-pressure chat to understand you: your needs, your goals, your family, your budget and any medical conditions.
I review everything you've shared and compare options across New Zealand insurers.
I come back to you with options, my recommendation and the reasons behind it, in plain language.
Together we choose the cover that meets your needs, and I help you complete the application.
Regular reviews as your life changes, and guidance through the claims process on cover I've arranged.
Straight answers to what people ask most.
Your first chat and my advice are free. Advisers are usually paid a commission by the insurer when a policy is taken out, which is explained in my disclosure statement. If a policy is cancelled within the first 24 months, a fee may apply. This is also explained in my disclosure statement.
Never. My job is to explain your options clearly. Whether you go ahead is entirely your decision.
We start with a free chat to understand your needs, goals, budget and any medical conditions. I then research options across New Zealand insurers and come back to you with my recommendation and the reasons for it. Together we decide on the cover that suits you, I help you complete the application, and I stay in touch afterwards to review your cover as life changes.
When you apply for insurance, you must tell the insurer about anything that could affect their decision to cover you, such as your health, medical history, lifestyle and occupation. My advice is simple: when in doubt, disclose. Being open from the start helps avoid surprises at claim time, because if something was not disclosed, an insurer may decline a claim or cancel the policy. I will guide you through the questions so nothing important is missed.
Work or union cover can be helpful, but it often stops when you leave the role, and the amounts are sometimes lower than families expect. It's worth checking what happens if you change jobs, and whether the cover would be enough for your mortgage, bills and family.
A yearly review is a good habit. Cover that fitted you a few years ago may not fit you now. A new home, a new baby, a new job, a pay rise or children leaving home can all change what you need. A review checks your cover still matches your life, so you're not paying for cover you don't need or missing cover you do.
New Zealand's public health system is excellent for many things, but waiting lists for specialists, tests and elective surgery can be long, and that wait affects work, family and wellbeing. Private medical cover isn't about replacing the public system. It gives you options when timing matters.
If you both contribute to the household, through income, parenting or caring for family, it's usually worth considering cover for both of you. Losing either contribution can put real pressure on a family.
Completely normal. These conversations can feel heavy, and you don't have to rush them. But avoiding them altogether can leave the people you love guessing. I'll keep it calm, simple and at your pace, with no jargon and no pressure.
Yes. I'm happy to explain everything in English, Hindi or Punjabi, whichever your family is most comfortable with.
Yes, for clients whose cover I've arranged. I'll help you understand the process and what the insurer needs, and I'll stay in touch along the way. The insurer decides whether a claim is paid. I can't guarantee the outcome, but I'll make sure you know where you stand.
Sugandha AroraInsurance Adviser
Book a free, no-pressure chat. Tell me a little about you and I'll get back within one business day — or pick a time below.
Choose a free 30-minute phone or video chat, from anywhere in NZ. Evenings and weekends available.