Health insurance through an adviser

Hospital surgical benefit limit: $600,000

Maximum amount for surgery related benefits.

Hospital surgical benefit limit: $600,000

Maximum amount for surgery related benefits.

Non-surgical benefit limit: $300,000

Maximum amount for non-surgical related benefits.

Non-surgical benefit limit: $300,000

Maximum amount for non-surgical related benefits.

Surgery in a recognised private hospital.

Includes costs for:

• Surgeon's operating
• Anaesthetist's fees
• Intensivist's fees
• Hospital accommodation (e.g. the admitted patient's bed, a private room, excludes suites)
• Operating theatre fees
• Surgically implanted prosthesis (in line with the prosthesis schedule)
• Laparoscopic disposable
• In-hospital X-ray examination and ECG
• Intensive post-operative care and special in-hospital nursing
• In-hospital post-operative physiotherapy
• Ancillary hospital charges (e.g. dressings, sutures, needles, bandages)
• In-hospital pharmaceutical prescriptions that are funded by PHARMAC

Surgery in a recognised private hospital.

Includes costs for:

• Surgeon's operating
• Anaesthetist's fees
• Intensivist's fees
• Hospital accommodation (e.g. the admitted patient's bed, a private room, excludes suites)
• Operating theatre fees
• Surgically implanted prosthesis (in line with the prosthesis schedule)
• Laparoscopic disposable
• In-hospital X-ray examination and ECG
• Intensive post-operative care and special in-hospital nursing
• In-hospital post-operative physiotherapy
• Ancillary hospital charges (e.g. dressings, sutures, needles, bandages)
• In-hospital pharmaceutical prescriptions, including non-PHARMAC medicines

Dental surgery in a private hospital performed by a registered oral surgeon or maxillo-facial surgeon.

We will cover the removal of unerupted and impacted teeth (e.g. wisdom teeth) if a registered oral surgeon, dental practitioner or maxillo-facial surgeon performs the surgery. A 12-month waiting period applies.

Dental surgery in a private hospital performed by a registered oral surgeon or maxillo-facial surgeon.

We will cover the removal of unerupted and impacted teeth (e.g. wisdom teeth) if a registered oral surgeon, dental practitioner or maxillo-facial surgeon performs the surgery. A 12-month waiting period applies.

Covers costs for and relating to cancer treatment, including:

• Chemotherapy, radiotherapy, immunotherapy and brachytherapy
• Hospital accommodation (e.g. the admitted patient’s bed, a private room, excludes suites)
• In-hospital X-ray examination and ECG
• Intensive post-operative care and special in-hospital nursing
• In-hospital post-operative physiotherapy
• Ancillary hospital charges (e.g. dressings, sutures, needles, bandages)
• In-hospital pharmaceutical prescriptions that are funded by PHARMAC, and up to $20,000 non-PHARMAC chemotherapy or immunotherapy

Covers costs for and relating to cancer treatment, including:

• Chemotherapy, radiotherapy, immunotherapy and brachytherapy
• Hospital accommodation (e.g. the admitted patient’s bed, a private room, excludes suites)
• In-hospital X-ray examination and ECG
• Intensive post-operative care and special in-hospital nursing
• In-hospital post-operative physiotherapy
• Ancillary hospital charges (e.g. dressings, sutures, needles, bandages)
• In-hospital pharmaceutical prescriptions, including non-PHARMAC medicines

Specialist consultation and diagnostic investigation following cancer treatment.

We cover one specialist consultation, and relevant diagnostic investigations each policy year. We pay up to $3,000 each year for up to five consecutive years.

Specialist consultation and diagnostic investigation following cancer treatment.

We cover one specialist consultation, and relevant diagnostic investigations each policy year. We pay up to $3,000 each year for up to five consecutive years.

Covers the difference in cost payable by ACC for a physical injury and the actual costs of surgery or medical treatment.

Covers the difference in cost payable by ACC for a physical injury and the actual costs of surgery or medical treatment.

Covers specialist consultations including visits to seek a second opinion up to six months before and six months after admission to a private hospital.

Unlimited consultations during this time, up to your Surgical or Non-Surgical Benefit limit.

Covers specialist consultations including visits to seek a second opinion up to six months before and six months after admission to a private hospital.

Unlimited consultations during this time, up to your Surgical or Non-Surgical Benefit limit.

Diagnostic investigations up to six months before and six months after admission to a private hospital.

Unlimited diagnostic investigations during this time, up to your Surgical or Non-Surgical Benefit limit.

Diagnostic investigations up to six months before and six months after admission to a private hospital.

Unlimited diagnostic investigations during this time, up to your Surgical or Non-Surgical Benefit limit.

Covers you for specialist consultations and diagnostic procedures that don’t result in hospitalisation.

Key features:

• Unlimited number of visits for specialist consultations, including visits to seek a second opinion
• General diagnostic: up to $3,000 each policy year for costs such as X-rays, arteriogram, ultrasound, scintigrapy, mammography or visual field tests
• Cardiac investigations: up to $60,000 each policy year for costs such as cardiovascular ultrasound, echocardiography and treadmills
• Cover for sports physician treatment up to $500 each policy year
• Cover for pre-existing conditions (other than congenital) for dependent children when added within four months of birth

Covers you for specialist consultations and diagnostic procedures that don’t result in hospitalisation.

Key features:

• Unlimited number of visits for specialist consultations, including visits to seek a second opinion
• General diagnostic: up to $3,000 each policy year for costs such as X-rays, arteriogram, ultrasound, scintigrapy, mammography or visual field tests
• Cardiac investigations: up to $60,000 each policy year for costs such as cardiovascular ultrasound, echocardiography and treadmills
• Cover for sports physician treatment up to $500 each policy year
• Cover for pre-existing conditions (other than congenital) for dependent children when added within four months of birth

This option encourages you to look after your health, whether you want to check any hereditary medical concerns, or just want to stay fit and healthy.

The premium for this option is one set price, regardless of your age, gender or smoking status. Plus you’ll get up to a maximum of $1,400 worth of cover a year.*

• Health screening: up to $750 each policy year for:
  • Breast screening
  • Cervical screening
  • Prostate screening
  • Bowel screening
  • Heart screening
  • Mole mapping
  • Eye and visual field tests
  • Hearing tests
  • Bone screening
• Allergy testing and vaccinations: up to $100 each policy year
• Dietitian / nutritionist consultations: up to $300 each policy year
• Gym membership, weight loss management programmes and quit smoking programmes: up to $100 each policy year
• Routine health check benefit: $150 for each person after each two years of continuous cover on this option to put towards a medical examination by a GP.

* Covers 80% of the cost up to the above benefit maximums. A waiting period of six months applies.

This option encourages you to look after your health, whether you want to check any hereditary medical concerns, or just want to stay fit and healthy.

The premium for this option is one set price, regardless of your age, gender or smoking status. Plus you’ll get up to a maximum of $1,400 worth of cover a year.*

• Health screening: up to $750 each policy year for:
  • Breast screening
  • Cervical screening
  • Prostate screening
  • Bowel screening
  • Heart screening
  • Mole mapping
  • Eye and visual field tests
  • Hearing tests
  • Bone screening
• Allergy testing and vaccinations: up to $100 each policy year
• Dietitian / nutritionist consultations: up to $300 each policy year
• Gym membership, weight loss management programmes and quit smoking programmes: up to $100 each policy year
• Routine health check benefit: $150 for each person after each two years of continuous cover on this option to put towards a medical examination by a GP.

* Covers 80% of the cost up to the above benefit maximums. A waiting period of six months applies.

This option pays out a one-off lump sum to help reduce the strain of dealing with specific trauma conditions.

You can use this lump sum for whatever you wish, such as expensive out-of-hospital drug treatments, rehabilitation expenses, paying off the mortgage or maybe a holiday to recuperate.

Key features:

• Choice of cover - $20,000 or $50,000
• Covers 39 trauma conditions, including:

  Heart and Circulation

  • Aortic surgery*
  • Cardiac arrest – out of hospital*
  • Cardiomyopathy*
  • Coronary artery angioplasty* (3 vessels or more)
  • Coronary artery bypass grafting surgery*
  • Heart valve surgery*
  • Major heart attack* (myocardial infarction)
  • Primary pulmonary hypertension*

  Organs

  • Chronic liver failure
  • Chronic lung failure
  • Chronic renal failure
  • Major organ transplant*
  • Pneumonectomy

  Functional loss / neurological

  • Advanced dementia (including Alzheimer’s disease)
  • Benign tumour of the brain and spinal cord*
  • Coma
  • Encephalitis
  • Loss of independent existence
  • Major head trauma
  • Motor neurone disease
  • Muscular dystrophy
  • Multiple sclerosis
  • Paralysis
    • Hemiplegia
    • Diplegia
    • Paraplegia
    • Quadriplegia
    • Tetraplegia
  • Stroke*
  • Parkinson’s disease

  Loss of use

  • Deafness
  • Loss of limbs and / or sight
  • Total and permanent blindness
  • Loss of speech

  Blood disorder

  • Aplastic anaemia

  Cancer

  • Cancer – life threatening*

  Other conditions

  • Intensive care
  • Severe burns
  • Medically acquired HIV
  • Occupationally acquired HIV
• Free cover for your children under this option, up to half of the sum insured.
• Additional payment for paralysis equal to your sum insured amount.

* If any of these conditions occur within 90 days of the start date or join date of this option (whichever is applicable), or the date cover is reinstated, no amount is payable.

This option pays out a one-off lump sum to help reduce the strain of dealing with specific trauma conditions.

You can use this lump sum for whatever you wish, such as expensive out-of-hospital drug treatments, rehabilitation expenses, paying off the mortgage or maybe a holiday to recuperate.

Key features:

• Choice of cover - $20,000 or $50,000
• Covers 39 trauma conditions, including:

  Heart and Circulation

  • Aortic surgery*
  • Cardiac arrest – out of hospital*
  • Cardiomyopathy*
  • Coronary artery angioplasty* (3 vessels or more)
  • Coronary artery bypass grafting surgery*
  • Heart valve surgery*
  • Major heart attack* (myocardial infarction)
  • Primary pulmonary hypertension*

  Organs

  • Chronic liver failure
  • Chronic lung failure
  • Chronic renal failure
  • Major organ transplant*
  • Pneumonectomy

  Functional loss / neurological

  • Advanced dementia (including Alzheimer’s disease)
  • Benign tumour of the brain and spinal cord*
  • Coma
  • Encephalitis
  • Loss of independent existence
  • Major head trauma
  • Motor neurone disease
  • Muscular dystrophy
  • Multiple sclerosis
  • Paralysis
    • Hemiplegia
    • Diplegia
    • Paraplegia
    • Quadriplegia
    • Tetraplegia
  • Stroke*
  • Parkinson’s disease

  Loss of use

  • Deafness
  • Loss of limbs and / or sight
  • Total and permanent blindness
  • Loss of speech

  Blood disorder

  • Aplastic anaemia

  Cancer

  • Cancer – life threatening*

  Other conditions

  • Intensive care
  • Severe burns
  • Medically acquired HIV
  • Occupationally acquired HIV
• Free cover for your children under this option, up to half of the sum insured.
• Additional payment for paralysis equal to your sum insured amount.

* If any of these conditions occur within 90 days of the start date or join date of this option (whichever is applicable), or the date cover is reinstated, no amount is payable.

Perfect for those wanting to cover some of the day-to-day healthcare costs*. This option is particularly useful if you develop a health problem requiring regular GP consultation.

Key features:

• GP visits: 12 GP visits each policy year; up to $55 for each visit, up to $80 for each home visit, up to $25 for each ACC top-up visit, and up to $200 for each minor surgical procedure
• Prescriptions: up to $15 each prescription, up to $300 each policy year
• Physiotherapy: up to $40 each visit, up to $400 each policy year
• Active Wellness Benefit: $150 for each adult towards the cost of fitness equipment or gym membership, after each two years of continuous cover (provided your total claims under the GP option are less than $150)
• Nurse visits: up to $30 each visit, up to six visits each policy year.
• Cover for pre-existing conditions (other than congenital) for dependent children when added within four months of birth.

* Covers 100% of the cost up to the above benefit limits. A waiting period of 90 days applies.

Perfect for those wanting to cover some of the day-to-day healthcare costs*. This option is particularly useful if you develop a health problem requiring regular GP consultation.

Key features:

• GP visits: 12 GP visits each policy year; up to $55 for each visit, up to $80 for each home visit, up to $25 for each ACC top-up visit, and up to $200 for each minor surgical procedure
• Prescriptions: up to $15 each prescription, up to $300 each policy year
• Physiotherapy: up to $40 each visit, up to $400 each policy year
• Active Wellness Benefit: $150 for each adult towards the cost of fitness equipment or gym membership, after each two years of continuous cover (provided your total claims under the GP option are less than $150)
• Nurse visits: up to $30 each visit, up to six visits each policy year.
• Cover for pre-existing conditions (other than congenital) for dependent children when added within four months of birth.

* Covers 100% of the cost up to the above benefit limits. A waiting period of 90 days applies.

Ideal if you have regular trips to the dentist, optometrist, chiropractor, podiatrist or osteopath, or if you need glasses or contacts from a change in vision*.

Key features:

• Dental treatment: up to $500 each policy year
• Eye care: up to $55 each visit, up to $275 each policy year, and up to $330 each policy year for glasses or contact lenses
• Ear care: up to $250 each policy year for audiology treatments, and up to $250 each policy year for audiometric tests
• Chiropractor: up to $40 each visit, up to $250 each policy year, and up to $80 each policy year for X-rays
• Osteopath: up to $40 each visit, up to $250 each policy year
• Foot care: up to $40 each visit, up to $250 each policy year
• Speech, occupation and eye therapy: up to $40 each visit, up to $300 each policy year
• Acupuncture: up to $40 each visit and up to $250 each policy year
• Cover for pre-existing conditions (other than congenital) for dependent children when added within four months of birth.

* Covers 80% of the cost up to the above benefit maximums. A waiting period of six months applies.

Ideal if you have regular trips to the dentist, optometrist, chiropractor, podiatrist or osteopath, or if you need glasses or contacts from a change in vision*.

Key features:

• Dental treatment: up to $500 each policy year
• Eye care: up to $55 each visit, up to $275 each policy year, and up to $330 each policy year for glasses or contact lenses
• Ear care: up to $250 each policy year for audiology treatments, and up to $250 each policy year for audiometric tests
• Chiropractor: up to $40 each visit, up to $250 each policy year, and up to $80 each policy year for X-rays
• Osteopath: up to $40 each visit, up to $250 each policy year
• Foot care: up to $40 each visit, up to $250 each policy year
• Speech, occupation and eye therapy: up to $40 each visit, up to $300 each policy year
• Acupuncture: up to $40 each visit and up to $250 each policy year
• Cover for pre-existing conditions (other than congenital) for dependent children when added within four months of birth.

* Covers 80% of the cost up to the above benefit maximums. A waiting period of six months applies.

Cover for the cost of many Medsafe-approved medicines that are not funded by PHARMAC, administered in a private hospital and at home.

Key features:

Choice to add $20,000, $50,000, $100,000, $200,000 or $300,000 of cover.

Cover for:

• The cost of medicines approved for use by Medsafe, prescribed within Medsafe approval, but not funded by PHARMAC at the time of your treatment.
• Non-PHARMAC funded medicines used in a New-Zealand based private hospital, day surgery unit, cancer clinic, or private wing in a public hospital recognised by nib.
• Non-PHARMAC funded medicines used at home for up to six months after you’re hospitalised for treatment - this treatment must be approved by nib and the medicines must relate to it.
• Any medicine administration costs.

See the option wording for full terms & conditions.