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Protecting our Members for over 100 years
How MAS’s screening programme enabled life-saving early action
Grow your wealth and achieve your goals
The smarter way to invest your savings
Advice when you need it
Helping young people to start investing early
Member owned, NZ owned, insurance and investments
Self-service support and inspiration
We're with you every step
Sign up to join The Conversation and you’re in the draw to get a $500 contribution to a MAS Investment Funds account. Entries close 10 March 2026, and you’ll need to be studying at the University of Otago or the University of Auckland in 2026. Terms and conditions apply.
We understand the unique insurance and investment needs of our students. Many of our Members joined us on their path to becoming doctors, dentists or veterinarians, and we’ve supported them from day one to diploma day–and every milestone after.
Get covered now and for the future with competitive rates on car and contents insurance, KiwiSaver, investments, life insurance and more. Focus on your studies, with peace of mind no matter where life takes you.
Our team provides advice on the use of MAS products based on your life stage and goals. MAS Advisers are flexible, meeting you online or in person at your convenience.
The Conversation is your gateway to a community of students like you. Sign up to our newsletter for exclusive updates, useful student hacks, budgeting tips and wellbeing advice. Click here to sign up.
Students studying in New Zealand who actively contribute or participate in a group, association, community activity or volunteer programme for the benefit of others, can apply for 1 of 2 MAS Here for Good Scholarships each quarter.
As a MAS Member, you'll get regular invitations to socialise with other students and Members at sponsored events. Get to know a like-minded community of individuals just like you.
Our Contents Insurance covers all your insured belongings, including clothing, to their full replacement value1 regardless of how old it was and no matter where you are in the world.
If you're under 25, we offer some of the most competitive premiums for Motor Vehicle Insurance on the market.
If it's investing that's on your mind, trust us to support you to achieve your long-term savings goals and secure your future. The MAS KiwiSaver Scheme can help you invest for your future home ownership and/or retirement goals; and MAS Investment Funds can give you the flexibility to invest, and withdraw a little or all your money if you need to.
Once you've secured your first job, your home or another big milestone, it might be the time to start thinking about how to protect your lifestyle and your family's future.
Life Insurance, Recovery Insurance, Income Security and Total and Permanent Disablement insurance, can work together to offer you and your family complete peace of mind.
We get it, things are expensive right now, especially when you’re starting your first job after graduation. From the cost of living (and yes, even butter) to setting up for your new role, every dollar counts.
That’s where we come in. Our MAS Advisers can help provide you with expert advice on our insurance and investment products that are tailored to your needs. There’s no cost to have a chat.
Plus, if you take out a product with us, you can go in the draw to win $5,000 — money that could help you relocate, gear up for your new role or kickstart your long-term goals. T&Cs apply.
As a MAS Member, you'll receive free financial advice from a MAS Adviser who can meet with you online or in person at your convenience. Our MAS Advisers are paid a salary with no commissions, so you know they've got your best interests in mind.
Our Contents Insurance covers all your insured belongings, including clothing and footwear, to their full replacement value1. This means your stuff is replaced with brand new stuff, regardless of how old it was, even if you're travelling. 1—Excesses, cover limits and exclusions apply.
No matter what your type of transport, we're committed to providing you with peace of mind on every journey, ensuring that you're protected wherever the road takes you. Plus, If you're under 25, we offer some of the most competitive Motor Vehicle Insurance premiums on the market.
Once you've secured your first job, your home or achieved another big milestone, it might be the time to start thinking about how to protect your lifestyle or your familys future. Life Insurance, Recovery Insurance, Income Security and Total and Permanent Disablement Insurance, can work together to offer you and your family complete peace of mind.
Students studying in New Zealand and who actively contribute or participate in a group, association, community activity or volunteer programme for the benefit of others, can apply for 1 of 2 MAS Here for Good Scholarships each quarter.
Whether you’re saving for your first home, retirement, or any other financial goals, we can help you get there. The MAS KiwiSaver Scheme and MAS Retirement Savings Scheme can help you achieve your long-term savings goals and secure your future; and MAS Investment Funds can help you achieve your short and long-term financial goals with the flexibility to access your money when you need to.
We’re a mutual, owned by our Members, so we have your best interests at heart and not a single dollar goes to offshore shareholders. We’re committed to forming life-long relationships with our Members by caring for you with exceptional service, premium products and expert advice.
JTC is your gateway to a community of students like you. Sign up to our newsletter for exclusive updates, with useful student hacks, budgeting tips and wellbeing advice.
As a mutual our Members are a top priority.
“MAS has given me a lot of advice over the years - great advice. They also work hard to provide wellbeing for their Members.”
Tiff Logan, Dentist
“In my 50+ years of membership, MAS has never disappointed me.”
MAS Member
“MAS has certainly made a really big effort to get us to understand more about where they are investing our money, and in particular moving into more ethical investment products.”
Anna Sullivan, Emergency Medicine Specialist
“One of the best things about MAS is that it’s a Member Society, which means I know they’re representing me, rather than looking after their own interests.”
Kristofer Fox, Teacher
1 - Excesses, cover limits and exclusions apply.
Medical Funds Management Limited is the manager and issuer of the MAS KiwiSaver Scheme, MAS Retirement Savings Scheme and MAS Investment Funds. PDS available at mas.co.nz.