Private Hospital to Everyday cover

Why 1 million Kiwis and Aussies choose nib.

Cover starts at $8.38 per week 1.

Please specify your gender.

One year Hospital cover free
for your mini me

A free year of cover for your child when you purchase any new adult Hospital cover. Terms and conditions apply. Offer ends 14th May 2019.

Why choose nib Insurance?

Peace of mind and cover are two of the most important things private health cover can provide. But that's just the beginning of what it means to those families enjoying private cover.

Designed for you

Need hospital cover to protect you from big bumps in life? You got it. Want your health to get the care you always meant to give it? It's easy with Everyday cover. Combine both to give your health the blueribbon treatment. It's your call.

An Everyday edge

Give your “new you” an edge over your old self with Everyday cover that puts a percentage of the cost of a massive range of health-boosting benefits back into your pocket (up to your policy limit). Want to see what nib gives you? Find out more about Everyday cover.

Express treatment

When your health needs help, we spring into action. Private health cover means you'll be seen to pronto.

Our network, your choice

With the nib First Choice network, you're covered for 100% of your eligible costs, plus your claims may even be sent in by your provider (some conditions apply).

Cover you control

Managing your policy is something you should be able to do whenever you want. And you can. Log in online to get pre-approval on upcoming medical expenses, track claims, or view your policy details to clear up questions you have.

How much will it cost without health insurance?

Accessing treatment through private health insurance gives you control over when and where you're treated, the surgeon who treats you, and helps you pay towards the cost of your treatment – which otherwise might be unaffordable or significantly impact the lifestyle you're used to.

Cost for head treatments
Cost for heart treatments
Cost for body treatments
Cost for leg treatments

Cataract surgery $4,300 - $5,200
Removal of the cloudy lens from the eye affecting vision

Endoscopic sinus surgery $12,000 - $37,000
Surgical repair of the facial sinuses

Wisdom teeth removal $3,000 – $5,500
Surgical removal of wisdom teeth (third molars)

Thyroidectomy $11,000 to $15,000
Surgical removal of the thyroid gland


Angioplasty $17,300 – $27,400
Insertion of a catheter to unblock artery with a stent or balloon

Single valve heart operation $48,000 – $60,000
Surgery to repair or replace a heart valve

Heart bypass $35,000 – $50,000
An operation to rechannel blood flow to the heart


Mastectomy $12,000 – $15,000
Surgical removal of the breast

Spinal fusion $20,000 – $60,000
Surgery to join two or more vertebrae together

Gastroscopy $1,100 – $1,600
A diagnostic procedure to look at the mouth, throat and stomach

Cholecystectomy $8,500 – $13,000
Surgical removal of the gall bladder

Colonoscopy $2,000 – $2,500
A diagnostic procedure to look at the large bowel and sample tissue

Hysterectomy $13,000 - $19,300
Surgical removal of the uterus

Appendectomy $6,000 – $10,300
Surgical removal of the appendix

Hernia repair $7,000 – $18,000
Surgical repair of weakness in the abdominal wall


Total hip joint replacement $20,000 – $27,000
Replacement of the hip joint with an artificial joint

Resection of endometriosis $9,000 – $25,000
Surgical removal of the uterine cells from the pelvis or abdomen

Robotic Prostatectomy $30,000 – $45,0000
Robotic surgical removal of the prostate

Total knee joint replacement $22,000 – $30,000
Replacement of the knee joint with an artificial joint

Varicose veins (both legs) $7,000 – $10,000
Laser or surgical removal of varicose veins

What are some common treatments?

Cancer treatments
Removal of cancerous skin lesion $1,000 – $6,500
Chemotherapy $15,000 – $170,000
Radiotherapy $20,000 – $37,000
PET Scan $2,000 – $2,800
MRI Scan $1,300 – $1,700
CT Scan $1,300 – $1,700
Ultrasound $400 – $500
Children 0-20 years
Grommets $2,500 – $3,500
Insertion of tubes in the eardrum
Adenotonsillectomy $4,000 – $5,500 Surgical removal of adenoids and tonsils

Why health insurance?

Many people don't think about taking up a health plan until they're unwell. Unfortunately, that might mean they pay more or are covered for less...

We often forget about it, but health is your constant companion and best friend through life. With health on your side, you're able to go on incredible adventures, achieve wonderful things and live a life worth writing about.

But when your best friend suffers, you're no longer able to do the things you want. And while public health might provide basic help, the stress, waiting, uncertainty and lack of control may make the road to recovery long, hard and draining.

That's not what life is about.

When you have private cover, your health gets the help it needs as soon as it needs. In good times, cover can help keep your health in tip-top shape. In bad, it gets you back on your feet as quickly, and stress-free as possible.

What are the benefits?

Premium Hospital benefits


Cover for and relating to the treatment of cancer, including chemotherapy and radiation therapy

Specialist consultations

Get in front of a specialist you choose, even if you are not admitted to hospital


You're covered for having surgery in a private hospital


Access to a range of scans and other diagnostic investigations, even if you are not admitted to hospital


Cover for the cost of treatment by an obstetrician

Premium Everyday benefits


Claim 80% back on routine check-ups, root canals & more

GP visits & prescriptions

Covers 80% of the cost of GP consultations and prescriptions

Glasses & contacts

Claim 80% back on the cost of your prescription glasses, contacts and eye exams

Physio/ Chiro/ Osteo

Claim 80% back on the cost of treatment from a physiotherapist, osteopath or chiropractor

Remedial massage

Claim 80% back on the cost of remedial massage

I rang nib… and I just said, "I'd like to say thank you"

What could a partner in health do for your life?

You choose a partner in health
When you partner with nib, you're partnering with people who want your health today and tomorrow to be the best and brightest it can be.
Five questions. Done.

Don't want to visit an office just to sign up? You don't have to! You can get a quote by answering just five questions by jumping onto the nib website. Plus, we won't ask you any medical questions.

If you thought joining was simple, you'll find claiming with nib even easier. You can make one in minutes via our mobile app or online.
Super service
When you're with nib, you're supported every step of the way.
Your first choice
With a network of New Zealand's medical professionals to choose from, you'll get top quality healthcare and be covered for up to 100% of your eligible costs (up to your benefit limit, with some conditions applying).

"If there's one word to describe what nib's given us… it'd have to be freedom."

Making claims easy

The last thing you want to do when bouncing back is having to stress about your claim. So, we built an app that took the worry and time out of that. In minutes, you can make your claim and get on with life.

4 Stress-Free Steps to Claiming With nib

1. Start a new claim in the app

2. Take and attach photo of receipts or invoices for the claim

3. Add any other claim info you need to

4. Include your refund details


nib mobile app

"Just take a picture of the receipt, say submit... that's it"

nib First Choice network

Find a First Choice provider

What is the nib First Choice network?

  • See an nib First Choice provider and have 100% of eligible costs covered (up to your benefit limit and in line with your policy). Understand more about the nib First Choice network here.

Find provider

Want to talk with someone?

We will call you back within one working day (Monday - Friday 8:00am to 5:30pm)

    Important things to know

    1. Price based on: 25 year old male, non-smoker with a $500 annual excess. Price includes our 4% direct debit discount
    2. nib claim statistics as at June 2016. This is an illustration of treatments and costs you could expect to pay if treated in private hospital. This is not representative of conditions covered on your policy or the amount that would be paid by nib nz limited in the event of a claim.
    3. nib claim statistics as at June 2016. Representation of treatments and costs you could expect to pay if treated in private hospital. This is not representative of conditions covered on your policy or the amount that would be paid by nib nz limited in the event of a claim.
    4. This overview is not a policy document. It is an outline of the main features and bene"ts of the nib hospital and everyday covers. A full explanation of the bene"ts and exclusions are contained in the policy documents. The policy documents are available from our documents page.