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3 easy steps to great value health insurance - from everyday to private hospital and specialist care, we've got you covered.
0800 758 758
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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
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Private Hospital Cover includes:- Surgery
- Cancer treatment
- Hospital Specialist consultations
- Hospital Diagnostics
- Many pre-existing conditions covered after 3 years
Benefit limits applyBenefit limits are the maximum we will pay each policy year per person.Pre-existing conditionsCover 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&CsSee the policy document for full terms, conditions and exclusions.Excess:Cover limit:ExcessCover limit -
Private Hospital Cover includes:- Surgery
- Cancer treatment
- Hospital Specialist consultations
- Hospital Diagnostics
- Many pre-existing conditions covered after 3 years
Benefit limits applyBenefit limits are the maximum we will pay each policy year per person.Pre-existing conditionsCover 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&CsSee the policy document for full terms, conditions and exclusions.Excess:Cover limit:ExcessCover limit -
Private Hospital and Specialist Cover includes:- Surgery
- Cancer treatments and follow-up (includes Non-PHARMAC)
- Specialist consultations
- Diagnostics
- Many pre-existing conditions covered after 3 years
Benefit limits applyBenefit limits are the maximum we will pay each policy year per person.Pre-existing conditionsCover 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&CsSee the policy document for full terms, conditions and exclusions.Excess:Cover limit:ExcessCover limit -
Private Hospital and Specialist Cover includes:- Surgery
- Cancer treatments and follow-up (includes Non-PHARMAC)
- Specialist consultations
- Diagnostics
- Many pre-existing conditions covered after 3 years
Benefit limits applyBenefit limits are the maximum we will pay each policy year per person.Pre-existing conditionsCover 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&CsSee the policy document for full terms, conditions and exclusions.Excess:Cover limit:ExcessCover limit
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Everyday
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Everyday Claim 60% back on:- Dentist consultations and basic treatments up to $450
- GP visits up to $150
- No-referral physio up to $100
- Glasses and contact lenses up to $200
Benefit limits applyThe above amounts are the maximum we will pay per person each policy year.Waiting periods apply- 2 months for dental, GP visits and physio
- 6 months for glasses or contact lenses
Claim 60% backWe will refund you 60% of the total cost of your claim up to your benefit limits e.g. if your claim is for $100, we will refund you $60.Pre-existing conditionsPre-existing conditions are covered.For all the T&CsSee the policy document for full terms, conditions and exclusions. -
Everyday Claim 60% back on:- Dentist consultations and basic treatments up to $450
- GP visits up to $150
- No-referral physio up to $100
- Glasses and contact lenses up to $200
Benefit limits applyBenefit amounts are the maximum we will pay per person each policy year.Waiting periods apply- 2 months for dental, GP visits and physio
- 6 months for glasses or contact lenses
Claim 60% backWe will refund you 60% of the total cost of your claim up to your benefit limits e.g. if your claim is for $100, we will refund you $60.Pre-existing conditionsPre-existing conditions are covered.For all the T&CsSee the policy document for full terms, conditions and exclusions.
Hospital cover optional add-on
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non-PHARMAC Plus Cover includes:non-PHARMAC Plus gives you cover for the cost of some drugs that are Medsafe approved and prescribed under the Medsafe guidelines but aren't funded by PHARMAC*.
You can add non-PHARMAC Plus to either of our Private Hospital covers.Important things to know about non-PHARMAC Plusnon-PHARMAC funded drugs can be lifesaving - but can cost up to hundreds of thousands of dollars. This option helps you cover the cost and lessen the burden of these expensive treatments.It may give you access to wider treatment options and provides cover for approved drugs used to treat cancer and other types of health conditions such as Crohn's disease and arthritis.You can choose one of our levels of cover to suit your needs.- $50,000
- $100,000
- $200,000
- $300,000
Cover limits are per person, per policy year.non-PHARMAC Plus covers the cost of drugs and drug related administration costs, as long as:- we've approved a related claim under your Private Hospital cover.
- your registered specialist has recommended the treatment and sent us a letter with their reasons for prescribing the treatment.
- the drugs are approved for use by Medsafe and prescribed under Medsafe guidelines but not funded by PHARMAC (under the pharmaceutical schedule).
- the non-PHARMAC drugs are used in a private hospital, day stay unit or private wing of a recognised public hospital in NZ or used at home, for up to six months after being admitted to hospital for approved and related treatment.
After three years of continuous cover under this option, you will be eligible to claim for non-PHARMAC funded drugs to treat a pre-existing condition that is covered by your policy.Pre-existing conditions that relate to any of the following medical conditions are not covered at any time:- Cancer
- Cardiovascular conditions and some risk factors
- Hip, knee or back
- Transplant surgery
- Reconstructive or reparative surgery
For more information see the non-PHARMAC Plus document.Excess:Cover limit:ExcessCover limit -
non-PHARMAC Plus Cover includes:non-PHARMAC Plus gives you cover for the cost of some drugs that are Medsafe approved and prescribed under the Medsafe guidelines but aren't funded by PHARMAC*.
You can add non-PHARMAC Plus to either of our Private Hospital covers.Important things to know about non-PHARMAC Plusnon-PHARMAC funded drugs can be lifesaving - but can cost up to hundreds of thousands of dollars. This option helps you cover the cost and lessen the burden of these expensive treatments.It may give you access to wider treatment options and provides cover for approved drugs used to treat cancer and other types of health conditions such as Crohn's disease and arthritis.You can choose one of our levels of cover to suit your needs.- $50,000
- $100,000
- $200,000
- $300,000
Cover limits are per person, per policy year.non-PHARMAC Plus covers the cost of drugs and drug related administration costs, as long as:- we've approved a related claim under your Private Hospital cover.
- your registered specialist has recommended the treatment and sent us a letter with their reasons for prescribing the treatment.
- the drugs are approved for use by Medsafe and prescribed under Medsafe guidelines but not funded by PHARMAC (under the pharmaceutical schedule).
- the non-PHARMAC drugs are used in a private hospital, day stay unit or private wing of a recognised public hospital in NZ or used at home, for up to six months after being admitted to hospital for approved and related treatment.
After three years of continuous cover under this option, you will be eligible to claim for non-PHARMAC funded drugs to treat a pre-existing condition that is covered by your policy.Pre-existing conditions that relate to any of the following medical conditions are not covered at any time:- Cancer
- Cardiovascular conditions and some risk factors
- Hip, knee or back
- Transplant surgery
- Reconstructive or reparative surgery
For more information see the non-PHARMAC Plus document.Excess:Cover limit:ExcessCover limit
Add a person
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 Insurance about what is best for you, give us a call on 0800 758 758 (Monday – Friday 8.00am – 6.00pm)
I have read and understood the replacement insurance statement
Everyone on this policy is eligible for AA Health Insurance 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.
I agree to all of the above
Financial Strength Rating
Declaration
Please tick to confirm that you are eligible for AA Health Insurance cover.
Please tick to confirm that you have read about pre-existing conditions.
Please tick to confirm that you have read and agree with the privacy policy.
Please tick to confirm that you have authority to provide personal information about the people on your policy.
Financial Strength Rating
AA Health Insurance 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.
2 Your details Change
3 Payment details Change
Direct debit
Credit card
Payment frequency
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.
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.
After clicking “Set up payment”, you will be redirected to Windcave to complete your transaction securely.
* Your cover has a 14-day free-look period, which means that if you decide to cancel during this period, we'll refund 100% of premiums paid provided that you haven't made any claims.
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.
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 Insurance 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 nib 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 nib.
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 Insurance 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 nib 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 nib.
- I have read the Direct Debit terms & conditions.