Compare Health Insurance

Cover for medical treatment (not involving surgery) in a recognised private hospital in relation to a medical condition (e.g. heart disease, asthma, pneumonia or diabetes).

We also cover the cost of associated intensive nursing care, X-rays, disposables and consumables, dressings and in-hospital pharmaceutical prescriptions. In addition, this benefit covers less invasive procedures as an alternative to surgery.

We pay up to the hospital medical benefit limit.

Cover for medical treatment (not involving surgery) in a recognised private hospital in relation to a medical condition (e.g. heart disease, asthma, pneumonia or diabetes).

We also cover the cost of associated intensive nursing care, X-rays, disposables and consumables, dressings and in-hospital pharmaceutical prescriptions. In addition, this benefit covers less invasive procedures as an alternative to surgery.

We pay up to the hospital medical benefit limit.

Benefit: Up to $750

Cover for any surgery performed by a GP, including one pre and one post consultation and any related biopsy.

Benefit: Up to $750

Cover for any surgery performed by a GP, including one pre and one post consultation and any related biopsy.

Cover for the difference in costs between what is paid by ACC for an injury and the actual costs.

We pay up to the hospital surgical benefit or hospital medical benefit limit (whichever applies).

Cover for the difference in costs between what is paid by ACC for an injury and the actual costs.

We pay up to the hospital surgical benefit or hospital medical benefit limit (whichever applies).

Cover for reparative treatment for any injury that occurs during treatment under another claim with nib.

We pay up to the hospital surgical or hospital medical benefit limit (whichever applies).

Cover for reparative treatment for any injury that occurs during treatment under another claim with nib.

We pay up to the hospital surgical or hospital medical benefit limit (whichever applies).

Cover for road ambulance transfer from a public or private hospital to the closest private hospital.

We pay up to the hospital surgical or hospital medical benefit limit (whichever applies).

Cover for road ambulance transfer from a public or private hospital to the closest private hospital.

We pay up to the hospital surgical or hospital medical benefit limit (whichever applies).

Benefit: Up to $500

Cover for physiotherapy consultations and treatment up to six months after admission.

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Benefit: Up to $750

Cover for physiotherapy consultations and treatment up to six months after admission.

Cover for the cost of varicose vein surgery performed by a recognised provider.

We pay up to the hospital surgical benefit limit.

Cover for the cost of varicose vein surgery performed by a recognised provider.

We pay up to the hospital surgical benefit limit.

Benefit: Up to $2,500

Cover for skin lesion surgery performed by a registered specialist.

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Benefit: Up to $6,000

Cover for skin lesion surgery performed by a registered specialist.

Benefit: Up to $6,000

Cover for surgery performed by a podiatric surgeon under local anaesthetic, including up to one pre and one post-surgery consultation and related x-rays.

Benefit: Up to $6,000

Cover for surgery performed by a podiatric surgeon under local anaesthetic, including up to one pre and one post-surgery consultation and related x-rays.

Benefit: Up to $5,000*

Cover for travel costs for you and a support person, and accommodation costs for a support person when you need to travel further than 100km from where you live for treatment.

*We pay up to $2,000 for travel. We also pay up to $200 each night for support person accommodation, up to a maximum of $3,000.

Benefit: Up to $5,000*

Cover for travel costs for you and a support person, and accommodation costs for a support person when you need to travel further than 100km from where you live for treatment.

*We pay up to $2,000 for travel. We also pay up to $200 each night for support person accommodation, up to a maximum of $3,000.

Benefit: Up to $1,000*

Cover for accommodation costs for a parent or legal guardian accompanying an insured person age 20 and under who is being treated in a recognised private hospital.

*We pay up to $200 per night for parent or legal guardian accommodation, up to a maximum of $1,000.

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Benefit: Up to $3,000*

Cover for accommodation costs for a parent or legal guardian accompanying an insured person age 20 and under who is being treated in a recognised private hospital.

*We pay up to $200 per night for parent or legal guardian accommodation, up to a maximum of $3,000.

Cover for pre-existing conditions (except congenital conditions) for dependent children when added to the policy within four months of birth.

Cover for pre-existing conditions (except congenital conditions) for dependent children when added to the policy within four months of birth.

Benefit: Up to $3,000

We provide a cash benefit if an insured person dies between the age of 16 and 64 (inclusive).

Benefit: Up to $3,000

We provide a cash benefit if an insured person dies between the age of 16 and 64 (inclusive).

Benefit: Up to $150 after each 24 month period of continuous cover

Waiting Period:

This benefit is payable if no claims were paid in the preceding 24 month period.

Reimbursement towards the following:

• membership of a gym or sports club; or
• sports/fitness equipment purchased from a sporting retailer.

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Benefit: Up to $300 after each 24 month period of continuous cover

Waiting Period:

This benefit is payable if no claims were paid in the preceding 24 month period.

Reimbursement towards the following:

• membership of a gym or sports club; or
• sports/fitness equipment purchased from a sporting retailer.

Cover for the costs of premiums for remaining people on the policy if the policy owner dies before age 65. We pay for up to 2 years or until any remaining people on the policy turn 65.

Cover for the costs of premiums for remaining people on the policy if the policy owner dies before age 65. We pay for up to 2 years or until any remaining people on the policy turn 65.

Waiting Period:

12 months

You can put your cover on hold for:

• Up to six months due to unemployment or redundancy; or
• Up to 24 months for travel outside New Zealand; or
• Up to 12 months for parental leave.

Waiting Period:

12 months

You can put your cover on hold for:

• Up to six months due to unemployment or redundancy; or
• Up to 24 months for travel outside New Zealand; or
• Up to 12 months for parental leave.

Benefit: Up to $20,000

Cover for non-PHARMAC chemotherapy drugs that are Medsafe approved for the treatment of cancer.

Benefit: Up to $1,500 per pregnancy

Waiting Period:

12 months

Cover for the cost of treatment by an obstetrician. We cover treatment that happens during pregnancy, but we don’t cover IVF, caesarean sections, treating ectopic pregnancies or public hospital admissions.

Benefit: Up to $3,000

Cover for intravitreal eye injections administered by a registered specialist, after referral by a GP or registered specialist.

Benefit: Up to $250

Cover for the cost of the following up to six months after a hospital admission:

• osteopathic treatment.
• chiropractic treatment.
• speech therapy.
• occupational therapy; and
• dietitian consultations.

Benefit: Up to $6,000*

Cover for the cost of home nursing care for up to 6 months after hospital admission.

*We pay up to $150 per day for home nursing care, up to a maximum of $6,000.

Benefit: Up to $1,000 per lifetime

Waiting period:

24 months

Cover for the cost of male or female sterilisation as a means of contraception.