3 easy steps to great value health insurance - from everyday to private hospital and specialist care, we've got you covered.
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1 Your health cover
We are unable to get a rate for you at this time. Please try again later or call us on 0800 758 758.
Your results
We've filtered your results for you to show you the cover that you are eligible for.
We do not offer Hospital Cover to new customers aged over 75. You can still be eligible for our everyday policies. If you have any questions give us a call on 0800 758 758.
Private Hospital
Private Hospital
Cover includes:
Surgery
Cancer treatment
Hospital Specialist consultations
Hospital Diagnostics
Many pre-existing conditions covered after 3 years
Benefit limits are the maximum we will pay each policy year per person.
Pre-existing conditions
Cover for pre-existing conditions covered by your policy after 3 years of continuous cover, but excluding pre-existing cardiovascular, cancer, hip or knee, back, transplant surgery, or reconstructive or reparative surgery.
For all the T&Cs
See the policy document for full terms, conditions and exclusions.
Benefit limits are the maximum we will pay each policy year per person.
Pre-existing conditions
Cover for pre-existing conditions covered by your policy after 3 years of continuous cover, but excluding pre-existing cardiovascular, cancer, hip or knee, back, transplant surgery, or reconstructive or reparative surgery.
For all the T&Cs
See the policy document for full terms, conditions and exclusions.
Benefit limits are the maximum we will pay each policy year per person.
Pre-existing conditions
Cover for pre-existing conditions covered by your policy after 3 years of continuous cover, but excluding pre-existing cardiovascular, cancer, hip or knee, back, transplant surgery, or reconstructive or reparative surgery.
For all the T&Cs
See the policy document for full terms, conditions and exclusions.
Benefit limits are the maximum we will pay each policy year per person.
Pre-existing conditions
Cover for pre-existing conditions covered by your policy after 3 years of continuous cover, but excluding pre-existing cardiovascular, cancer, hip or knee, back, transplant surgery, or reconstructive or reparative surgery.
For all the T&Cs
See the policy document for full terms, conditions and exclusions.
Unfortunately you are ineligible for this offer. Have a look at the Terms and Conditions for more information on our eligibility criteria or
call one of our helpful team for more information on
0800 758 7580800 758 758.
It looks like there’s a person on this policy that unfortunately doesn’t qualify for the offer. To continue with this joint application where the eligible person/s still receive/s the offer, we’ll need to process that for you over the phone. Please call our friendly team on
0800 758 7580800 758 758.
Unfortunately you are ineligible for this offer. Have a look at the Terms and Conditions for more information on our eligibility criteria or
call one of our helpful team for more information on
0800 758 7580800 758 758.
Great news, you’re eligible for this offer! Please complete the
rest of your application to receive your waiver for the pre-existing conditions waiting period.
Unfortunately you’re not eligible for the offer due to the recency of your test results. However, we still provide cover for
most pre-existing conditions after three years of continuous cover. To apply, simply continue with this application. For
more information, please call our friendly team on 0800 758 7580800 758 758 or visit your nearest AA Centre.
Great news, you’re eligible for this offer! Please complete the rest of your application to receive your waiver for pre-existing conditions.
Do you already have health insurance?
Yes
No
If you have an existing health insurance policy, please read this section carefully:
Things to consider if you are looking to change your health insurance
Replacing your health insurance is an important decision. If you already hold or have held health insurance, there are some important things to consider when deciding to change to a different policy or health insurer.
Your Cover
As all health insurance products are different, you should understand what your existing policy covers and compare it against what you’ll be covered for under the new policy. This includes any loss of benefits such as value or type of cover.
Your Stand-downs
You should carefully consider any “stand-down periods” on your new policy. It is important to understand that you may be unable to make a claim for certain situations during this stand-down period. If you have already had treatment for a condition before taking out a new policy, it may be considered pre-existing. It’s important to understand how the new policy or health insurer treats pre-existing conditions to make sure you can continue to be covered for the condition in the future.
Your Policy Terms and Conditions
There can be differences between your health policies and this can affect what you are covered for. You should read and understand your new policy terms and conditions as detailed in your policy wording.
Any questions
If you want to ask questions or talk to someone from AA Health about what is best for you, give us a call on 0800 758 758 (Monday – Friday 8.00am – 7.00pm)
I have read and understood the replacement insurance statement
Declaration
Everyone on this policy is eligible for AA Health cover.
I've read about pre-existing conditions and understand what conditions are / are not covered by the product(s) I've selected.
I've read and agree with the privacy policy for myself and everyone on this policy.
I have authority to provide personal information about everyone on this policy.
AA Health is underwritten by nib nz limited. nib nz limited has an A- (Strong) Financial Strength Rating issued by S&P Global Ratings Australia Pty Ltd
The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default), R (Regulatory Action), NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.
For premiums paid weekly or fortnightly
If we are unable to collect your first payment on your nominated day of payment, any uncollected premiums will be added to your next payment until the full amount has been collected.
For premiums paid monthly
If your nominated day of payment has already passed this calendar month, your first payment will include an additional monthly premium to ensure that you are paying your premium in advance.
For premiums paid quarterly, half-yearly or yearly
If your nominated day of payment has already passed this calendar month, your first payment will take place 5 days from the date your policy is issued, and thereafter payments will take place on your nominated day of payment.
For premiums paid weekly or fortnightly
If we are unable to collect your first payment on your nominated day of payment, any uncollected premiums will be added to your next payment until the full amount has been collected.
For premiums paid monthly
If your nominated day of payment has already passed this calendar month, your first payment will include an additional monthly premium to ensure that you are paying your premium in advance.
For premiums paid quarterly, half-yearly or yearly
If your nominated day of payment has already passed this calendar month, your first payment will take place 5 days from the date your policy is issued, and thereafter payments will take place on your nominated day of payment.
What is the Security code?
The Security code is located on the back of your credit or debit card, and is a separate group of 3 digits, typically to the right of the signature strip.
What is the Security code?
The Security code is located on the back of your credit or debit card, and is a separate group of 3 digits, typically to the right of the signature strip.
Thanks for choosing to pay your premiums by credit card. We will advise you of the amount and your first payment date in your Welcome pack, which will be emailed to you after you join. You may notice a $1 amount on your statement. Don't worry! This is just us authorising your card and the $1 will not be debited.
Thanks for choosing to pay your premiums by direct debit. We will advise you of the amount and when your first payment is due in your Welcome pack, which will be emailed to you after you join. No payments will be deducted until after your policy is issued.
Direct Debit terms & conditions
I confirm I have sole authority to operate this account.
This bank account is NOT held by a Company, a Trust, Estate or any other non Personal Account Holder
I haven't cancelled an AA Health Direct Debit authority on this bank account within the last 9 months.
For premiums paid monthly, if your nominated day of payment has already passed this calendar month, your first payment will include an additional monthly premium to ensure that you are paying your premium in advance.
Otherwise for weekly, fortnightly and all other monthly payment dates, if we are unable to collect your first payment on your nominated day of payment, any uncollected premiums will be added to your next payment until the full amount has been collected.
I confirm the authority is subject to the acceptor bank's terms and conditions that relate to the acceptor's account.
I confirm I am happy with AA using the contract information I have provided for all communication in relation to this direct debit.
To cancel your authority or make any changes, please contact us.
I agree to all of the above.
Direct Debit terms & conditions
I confirm I have sole authority to operate this account.
This bank account is NOT held by a Company, a Trust, Estate or any other non Personal Account Holder
I haven't cancelled an AA Health Direct Debit authority on this bank account within the last 9 months.
I confirm the authority is subject to the acceptor bank's terms and conditions that relate to the acceptor's account.
I confirm I am happy with AA using the contract information I have provided for all communication in relation to this direct debit.
To cancel your authority or make any changes, please contact us.
** Eligibility requirements (under 60 and satisfy medical conditions) and Terms and Conditions apply.
Offer ends 29 March 2020 or when promotional policies run out. Pre-existing condition cover does not include pre-existing conditions that relate to cardiovascular conditions and some risk factors, cancer, hip, knee or back, transplant surgery or reconstructive or reparative surgery. See aahealth.co.nz for more details.
What is a pre-existing condition?
Private Hospital or Private Hospital and Specialist
Pre-existing Condition means:
any sign, symptom, treatment or surgery of any Condition, or any Condition:
which the Policyowner or the Insured Person was first aware of; or
for which the Insured Person first sought Diagnostic Investigation or medical advice; or
that would cause a reasonable person in the circumstances to first seek Diagnostic Investigation or medical advice; or
any Condition, the presence of which was evident (even if the Insured Person was not made aware of it) when the Insured Person sought Diagnostic Investigation, medical Screening or medical advice; or
any treatment of any Condition which the Insured Person underwent, on or before the earliest of the following that applies to the Insured Person:
Commencement Date; or
Effective Date; or
Join Date.
Private Hospital and Private Hospital and Specialist do not cover any pre-existing conditions for the first three years. After three years of continuous cover from the commencement date, effective date or the join date (as applicable), it covers costs relating to health services for pre-existing conditions excluding those that relate to any of the following conditions: cardiovascular, cancer, hip or knee, back, transplant surgery, or reconstructive or reparative surgery, which are not covered at any time. Please refer to Loyalty Benefit - Pre-existing Conditions section of the policy document.
Everyday provides cover for health services relating to the benefits insured by this product once waiting periods have been served, whether or not they are related to and / or consequences of any pre-existing conditions.
Private Hospital and Private Hospital and Specialist provide cover for an insured person who:
is a citizen or permanent resident of New Zealand living in New Zealand; or
is an Australian citizen or permanent resident who has lived, or intends to live, in New Zealand for two years or more; or
is permanently employed in New Zealand and holds a current New Zealand work permit which has been issued for at least two years with at least 12 months remaining; or
is entitled to publicly funded health and disability services provided by the New Zealand Government.
Everyday provides cover for an insured person who is lawfully residing in New Zealand.
We are committed to protecting the privacy and security of the personal information we collect. We have implemented measures to comply with our obligations under the Privacy Act 1993, including the Health Information Privacy Code 1994. This section explains how we may collect and use personal information.
Why does nib collect my personal information?
We collect personal information primarily to enable us to provide insurance benefits and related services. If the information provided to us is not accurate or complete, we may not be able to provide an accurate quote, or provide benefits for the requested insurance or related services.
What personal information does nib keep?
The personal information we hold will depend on whether someone is an insured person or a recognised provider and which services they have used. Information may include:
name, address, contact details, date of birth, email address;
payment history;
current or past details of private health insurance or other nib insurance, including level of cover;
claim details;
health information including pre-existing condition information;
employment or membership details where the insurance policy is connected to a workplace or association.
How does nib collect personal information?
We may collect personal information directly, in person or by phone or internet (including through the 'your AA Health account' portal) when someone:
applies to become a customer or recognised provider, including when someone starts and does not complete an online application to become a customer;
becomes a customer as part of a workplace or association scheme;
provides information during the course of their policy or relationship with nib;
requests information concerning our services; or
lodges a claim.
How does nib use personal information?
The information we collect is used to:
provide benefits for insurance and related services;
determine eligibility to provide or receive an insurance or related service;
administer insurance and related services;
develop, promote or market our current and future insurance and related services;
prevent, detect and investigate any fraud; and
comply with laws and regulations.
If we use personal information for direct marketing or research purposes, we will do so in accordance with the Privacy Act 1993 including the Health Information Privacy Code 1994 and any electronic marketing or research correspondence sent to an individual will give them the opportunity to “opt out” of receiving any further marketing or research correspondence.
Where we share information with the New Zealand Automobile Association Inc., it may use that information to market AA services to you, in accordance with applicable law and AA’s privacy policy available at www.aa.co.nz (at the date of this privacy policy).
Will personal information be given to anyone else?
In providing our services and using personal information in accordance with this Policy, we may collect information from or disclose a person’s personal information to:
other nib companies;
the New Zealand Automobile Association Inc., however in no circumstance will we provide your health information to the New Zealand Automobile Association Inc.;
the Group Administrator where the insurance policy is part of a workplace or association scheme;
insurance service providers including other insurers and reinsurers, recognised private hospitals and public hospitals, doctors and medical specialists and professional medical authorities, including the ACC and the Ministry of Health.
our contractors and service providers performing services including (but not limited to) legal services, marketing, market research, mail house services, and product development services;
our existing and future strategic partners in respect of covers and services provided under a distribution arrangement;
industry bodies, to aid in the prevention, detection and investigation of fraud; and
law enforcement agencies, regulators or other parties as required by law.
Each policyowner and insured person authorises the collection of this information from and the disclosure of personal information to such parties for the purposes set out above.
We may also be required to disclose an insured person’s personal information to other individuals on their policy, or to individuals to whom the insured person has granted authority to act on their behalf. At the time of joining AA Health, the person applying for the policy authorises us to share information with other individuals on the policy. For example, this means we may make the policyowner aware of the details of all benefits and services claimed on the policy.
Personal information may be disclosed to third parties overseas where those parties are one of the parties listed above.
We will not disclose an insured person’s personal information to anyone, other than as above, unless:
the insured person authorises us to do so;
the insured person's safety or the safety of others in the community is at risk; or
we are required or permitted by law.
How does a person gain access to their personal information?
Any person who we hold information about has a right to access, and request correction of, their personal information.
You can request details of your personal information by contacting us at 0800 758 758, or by emailing us at contactus@aahealth.co.nz
Can personal information be checked and corrected?
The accuracy of personal information is important to us. We will take reasonable steps to ensure that personal information is accurate, complete and up-to-date. We rely on persons who have a relationship with nib to advise of any changes to their contact details and any other personal information. Where possible please provide an email address. If a person believes that any personal information we hold is not accurate, complete or up-to-date, the person should contact us immediately.
Is personal information secure?
We take all reasonable steps to ensure personal information is kept secure. We protect the privacy and security of the personal information we hold through the use of encryption, security access, firewalls and computer security systems. We have physical, electronic and procedural safeguards to protect your personal information which is held by us, and access to information stored electronically is restricted to staff whose positions require access to this. We may also use third party data storage providers and servers to store your personal information.
Need more information?
Personal information is collected and held by nib nz limited, 48 Shortland Street, Auckland.
For further information regarding this privacy policy or to discuss the steps we have taken to protect personal information and privacy, contact our Privacy Officer by calling 0800 758 758, or by emailing contactus@aahealth.co.nz.
Changes to this privacy policy
We reserve the right to change this privacy policy from time to time. This privacy policy was last updated in September 2016.
The person completing this application is the policyowner.
The policyowner can add their partner, dependent child, parent or grandchild to their policy. We will charge an additional premium for each insured person added.
Dependent child means your naturally or legally adopted child or children under the age of 21 years.
Partner means your spouse or a person who cohabits with you in a nature of a marital, de-facto or civil union relationship.
Policyowner means a person who administers the Policy and whose name is on the Acceptance Certificate or Renewal Certificate (whichever is the later) as 'Policyowner(s)'.
AA Health is underwritten by nib nz limited. nib nz limited has an A- (Strong) Financial Strength Rating issued by S&P Global Ratings Australia Pty Ltd
The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default), R (Regulatory Action), NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.
Specific conditions relating to notices and disputes
I may ask my bank to reverse a direct debit up to 120 calendar days after the debit if:
I don’t receive a written notice of the amount and date of each direct debit from the initiator, or
I receive a written notice but the amount or the date of debiting is different from the amount or the date specified on the notice.
Notice about direct debits
The initiator is required to give a written notice of the amount and date of each direct debit in a series of direct debits no later than the date of the first direct debit in the series. The notice is to include:
the dates of the debits, and
the amount of each direct debit.
If the bank dishonours a direct debit but the initiator sends the direct debit again within 5 business days of the dishonour, the initiator is not required to give you a second notice of the amount and date of the direct debit.
Changes to direct debits
If the initiator proposes to change an amount or date of a direct debit specified in the notice, the initiator is required to give you notice:
no less than 30 calendar days before the change, or
if the initiator’s bank agrees, no less than 10 calendar days before the change.
Your first direct debit
We will send you confirmation including details of when your first payment will be deducted from your bank account and the terms and conditions of the arrangement no later than 5 business days from now. ×
Which conditions are never covered?
Pre-existing conditions that relate to any of the following categories are not covered at any time:
Cancer
Cardiovascular conditions and some risk factors
Hip, knee or back
Transplant surgery
Reconstructive or reparative surgery
Please see the policy document for the full terms and conditions of what we never cover on this policy.
An ‘abnormal medical test’ could be any medical tests with unusual results outside of a normal range, for example a blood result indicating low iron
or
Any abnormal blood test results i.e. Liver function
An abnormal cervical smear
Abnormal urine test which can indicate urinary tract infections
An ‘abnormal medical assessment’ would include any consultation or medical investigation including medical imaging, ultrasounds, and MRI’s where the results have identified a sign or symptom of a medical condition.
For example:
Abnormal eye test
Abnormal x-ray or ultrasound of any bones, muscles, ligaments, tendons
Molemap that has found suspicious moles/skin lesions
GP visit which results in a referral to a Specialist or diagnostic investigation or any form of treatment including prescriptions
The examples provided are not a complete list of all relevant tests or assessments. If you’re unsure how to answer this question, please give us a call on
0800 758 7580800 758 758.
AA Health Pre-Existing Conditions (PEC) Offer – Terms and conditions
1. This offer is open to eligible customers aged 18 years old and over, who:
purchase an AA Health Private Hospital or Private Hospital & Specialist policy between 17 February and 29 March 2020, while we have a remaining allocation of eligible policies;
are new AA Health customers, meaning not current AA Health customers as at 17 February 2020; and
meet the eligibility criteria in paragraph 3 of these terms and conditions. All insured persons on the policy must meet the eligibility criteria to receive this offer.
2. There are a limited number of policies available for this offer. If all available polices are sold before the offer end date (29 March 2020), the offer will be withdrawn and no new customers will be able to take up the offer.
3. All eligible customers on the policy:
Must be aged 60 years or under at time of application.
Must disclose to us any abnormal medical test results or assessments in the 12 months prior to application.
An ‘abnormal medical test’ includes any medical tests with unusual results outside of the normal range, for example a blood result indicating low iron or test indicating high cholesterol.
An ‘abnormal medical assessment’ includes any consultation or medical investigation including medical imaging, ultrasounds, and MRI’s where the results have identified any sign or symptom of a medical condition.
This offer is only available to customers who have not had any abnormal medical test results or assessments in the 12 months prior to application.
If, at any time, we find that any customer on a policy received an abnormal medical test result or abnormal medical assessment in the 12 months prior to application, contrary to his or her statement then, at our discretion, the pre-existing condition stand down periods may be reinstated and/or we may decline to pay any future claims (or seek to recover the amount of any paid claims) relating to that incorrect statement.
4. For customers who meet the eligibility criteria in paragraphs 1 and 3:
The usual three year stand down period for eligible pre-existing conditions (except the conditions described in paragraph 5) for any Hospital cover will be waived; and
The 12-month wisdom teeth waiting period for Private Hospital and Specialist cover will be waived.
5. Some pre-existing conditions are not covered in this offer and no cover will be provided. These pre-existing conditions are those that relate to cardiovascular conditions and some risk factors, cancer, hip, knee or back, transplant surgery or reconstructive or reparative surgery. Please see the policy document for further information on these permanent pre-existing condition exclusions.
6. The offer is not transferable or redeemable for cash. This offer can’t be used in conjunction with any other offers.
7. This offer can be redeemed by phoning AA Health on 0800 758 758, completing the online application at health.aa.co.nz or visiting one of the AA Centres nationwide.
These terms may be updated or modified by us (provided this doesn't prejudice anyone who has already received the offer), and were last updated on 10 January 2020.
This offer may be withdrawn by us once the allocation of eligible policies is met.
10. “We”, “us” and “our” means nib nz limited, the insurer of the AA Health products.
