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Health insurance through an adviser

An adviser works with you to find a health insurance plan to suit your needs.

Get cover through an adviser

You can buy your health insurance through an independent licensed financial advice provider. Their financial advisers or nominated representatives have specialist knowledge to help you identify and prioritise your needs and choose cover that suits your circumstances and budget.

Our most comprehensive hospital plan is offered exclusively through advisers. You can enjoy all the benefits of being an nib member, plus have additional support from your adviser with claims or any future changes to your health cover

The benefits of using an adviser

Specialist advice

An adviser can help identify what's essential for you, explain the different options available and find the right health insurance plan to suit your needs.

Ongoing support

Your needs can change over time. A good adviser will check in regularly to make sure your plan still meets your needs.

There to help when you need treatment

If you have a serious health condition requiring treatment, your adviser will work with you and nib to get your claim assessed to help get you back on your feet.

Financial guidance

An adviser can give you advice about health insurance and many can also advise other financial services as well, such as life insurance, mortgages, investing and KiwiSaver.

Talk to an adviser

An adviser can talk with you about the financial risks of ill health and the various insurance options available to you.

Call your adviser today or if you don’t have one, simply fill in the contact form and an independent financial advice provider will get in touch.

Our plans through an adviser

Your adviser will be able to help find the right cover for you, your partner and family. With the flexibility to mix and match, each person can have a different plan, excess and options, so everyone gets the cover they need.

Our most comprehensive private health insurance plans are Ultimate Health Max and Ultimate Health. They provide the very best cover and protection that we offer for a wide range of health treatments and the costs that go with them1. Ultimate Health Max includes substantial levels of cover for non-PHARMAC funded drugs approved by Medsafe and guaranteed wording2.

Your adviser will help you complete a health questionnaire. That way, you know exactly what you’re covered for and have peace of mind when claiming. Advisers can also explain the differences between the two plans.

You can choose the following options to add to your plan1:

Specialist option
Cover for specialist consultations and diagnostic procedures that don’t result in hospitalisation
GP option
Cover for GP visits, GP minor surgery, prescriptions and more
Dental & Optical option
Cover for dental and optical care, treatment by Chiropractors and more
non-PHARMAC Plus option
Increase the maximum amount of cover for the cost of Medsafe-approved, non-PHARMAC funded drugs (additional to the standard maximum under Ultimate Health Max).
Proactive Health option
Cover for preventative screening, vaccinations, allergy tests and more
Serious Condition Financial Support option
A one-off lump sum to help reduce the strain of dealing with specific trauma conditions
Ultimate Health
Ultimate Health Max
Overall benefits (Benefit limits are per person, per year):
Benefits (Benefit limits are per person, per year):
Additional options (Benefit limits are per person, per year):

Things to know before you join

1 For Ultimate Health and Ultimate Health Max plans:

  • For base plans and additional options, costs are covered up to the benefit limit, in line with the policy terms. Base plans will also be subject to any excesses payable.
  • You need to tell us your medical history when you apply to join. Your adviser will help you to do this through a health questionnaire and means you have certainty about what you are and are not covered for.
  • The First Choice network only applies to Ultimate Health and applies to all benefits, including additional options.
  • The following waiting periods apply:
    • Oral surgery for extraction of unerupted or impacted teeth – 12 months
    • Dental and Optical option – Six months
    • Proactive Health option – Six months
    • Serious Condition Financial Support option – 90 days
    • GP option – 90 days

2 What is guaranteed wording?

The benefits and terms for the Ultimate Health Max plan are largely protected from negative changes during the life of the policy. While we can change how much you pay for your health insurance each year, we may only alter the benefits or terms if:

  • The law that applies to the policy changes (e.g. taxation); or
  • The policyowner and/or insured person didn’t disclose information to us; or
  • New benefits or increases to existing benefits are added to the policy. These changes will only apply to relevant treatments from the date the change takes place.

3 For Easy Health

  • For the base plan and additional options, costs are covered up to the benefit limit, in line with the policy terms. The base plan is also subject to any excess payable.
  • You don’t need to tell us your medical history when you apply to join, but we will check your eligibility for claims when you make a claim
  • The First Choice network applies to all benefits, including additional options.
  • Waiting periods apply to:
    • Oral surgery for extraction of unerupted or impacted teeth – 12 months
    • Proactive Health option – Six months
    • Serious Condition Financial Support option – 90 days

4 Am I covered for any pre-existing conditions?

In summary, a pre-existing condition is any injury, illness, symptom or diagnosis that happened any time prior to your policy starting.

  • Many pre-existing conditions will be covered after three years, as explained in the Easy Health Policy document.
  • We won’t cover any pre-existing condition at any time under the Serious Condition Lump Sum option
  • We will never cover any of the following if they are pre-existing at the time of application:
    • Cancer
    • Cardiovascular conditions and some risk factors
    • Hip, knee or back issues
    • Transplant surgery
    • Reconstructive or reparative surgery