Combine covers

Hospital surgical benefit limit: $300,000

Maximum amount for surgery related benefits.

Hospital surgical benefit limit: $300,000

Maximum amount for surgery related benefits.

Hospital medical benefit limit: $200,000

Maximum amount for non-surgical related benefits.

Hospital medical benefit limit: $200,000

Maximum amount for non-surgical related benefits.

Cover for and relating to cancer treatment including:

• Chemotherapy
• Radiotherapy
• Brachytherapy
• Hospital accommodation (e.g. admitted patient’s bed, a private room)
• In hospital X-ray examination and ECG
• Intensive post treatment care and special in hospital nursing
• In hospital post treatment physiotherapy
• Ancillary hospital charges (e.g. dressings, needles, bandages)
• Hospital pharmaceutical prescriptions

We pay up to the hospital medical benefit limit.

Cancer surgery is covered under the surgery in hospital benefit.

PHARMAC funded chemotherapy drugs for the treatment of cancer at home are covered under the cancer treatment at home benefit, for which we pay up to $10,000 each year.

Cover for and relating to cancer treatment including:

• Chemotherapy
• Radiotherapy
• Brachytherapy
• Hospital accommodation (e.g. admitted patient’s bed, a private room)
• In hospital X-ray examination and ECG
• Intensive post treatment care and special in hospital nursing
• In hospital post treatment physiotherapy
• Ancillary hospital charges (e.g. dressings, needles, bandages)
• Hospital pharmaceutical prescriptions

We pay up to the hospital medical benefit limit.

Cancer surgery is covered under the surgery in hospital benefit.

PHARMAC funded chemotherapy drugs for the treatment of cancer at home are covered under the cancer treatment at home benefit, for which we pay up to $10,000 each year.

Benefit: Up to $300,000

Cover for surgery in a private hospital, including costs for:

• Surgeon’s operating fees.
• Anaesthetist’s fees.
• Operating theatre fee.
• Surgically implanted prosthesis (in line with the prosthesis schedule).
• In-hospital pharmaceutical prescriptions.
• Hospital accommodation (e.g. the admitted patient’s bed, a private room, excludes suites).

Benefit: Up to $300,000

Cover for surgery in a private hospital, including costs for:

• Surgeon’s operating fees.
• Anaesthetist’s fees.
• Operating theatre fee.
• Surgically implanted prosthesis (in line with the prosthesis schedule).
• In-hospital pharmaceutical prescriptions.
• Hospital accommodation (e.g. the admitted patient’s bed, a private room, excludes suites).

Cover for registered specialist or vocational GP consultations up to 6 months before and after a related hospital admission.

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

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

Cover for registered specialist or vocational GP consultations whether or not it relates to an admission to a recognised private hospital.

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

Cover for diagnostic investigations up to 6 months before and after a related hospital admission.

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

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

Cover for diagnostic investigations, whether or not they relate to admission to a recognised private hospital.

For diagnostics not related to a hospital admission, we cover

• up to $5,000 for CT, MRI and PET scans and
• up to $15,000 for all other diagnostics

For diagnostic investigations related to a hospital admission we pay up to the hospital surgical or hospital medical benefit limit (whichever applies).

Benefit: Up to $3,000*

Cover for one registered specialist consultation each year and related investigations following cancer treatment.

*We pay up to $3,000 per year for up to five consecutive years.

Benefit: Up to $3,000*

Cover for one registered specialist consultation each year and related investigations following cancer treatment.

*We pay up to $3,000 per year for up to five consecutive years.

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 $200 a night, up to a maximum of $5,000 for both travel and accommodation for each insured person every policy year.

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 $200 a night, up to a maximum of $5,000 for both travel and accommodation for each insured person every policy year.

Cover for the cost of melanoma surgery, performed by a registered specialist in a recognised private hospital.

We pay up to the hospital surgical benefit limit.

Cover for the cost of melanoma surgery, performed by a registered specialist in a recognised private hospital.

We pay up to the hospital surgical benefit limit.

Waiting Period:

12 months (for removal of unerupted or impacted teeth).

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

We will cover for removal of unerupted or impacted teeth (e.g. wisdom teeth) when performed by a registered oral or maxillo-facial surgeon.

We pay up to the hospital surgical benefit limit.

Waiting Period:

12 months (for removal of unerupted or impacted teeth).

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

We will cover for removal of unerupted or impacted teeth (e.g. wisdom teeth) when performed by a registered oral or maxillo-facial surgeon.

We pay up to the hospital surgical 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.

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 and 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 and 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.

Benefit Limit: $750

Dental treatments performed by a registered dental practitioner or oral surgeon, including:

• examinations
• cleaning and scaling
• fillings
• extractions (including wisdom teeth)
• associated x-rays
• orthodontic treatment (e.g. braces)
• endodontic treatment (e.g. root canal)

Waiting periods:

Preventative:

2 months (e.g. examinations, scale and clean, fluoride treatments)

General:

2 months (e.g. fillings, basic extraction (excluding wisdom teeth), x-rays)

Major & orthodontic:

12 months (e.g. crowns, bridges, root canal, removal of wisdom teeth, dentures, implants)

Benefit Limit: $1000

Dental treatments performed by a registered dental practitioner or oral surgeon, including:

• examinations
• cleaning and scaling
• fillings
• extractions (including wisdom teeth)
• associated x-rays
• orthodontic treatment (e.g. braces)
• endodontic treatment (e.g. root canal)

Waiting periods:

Preventative:

2 months (e.g. examinations, scale and clean, fluoride treatments)

General:

2 months (e.g. fillings, basic extraction (excluding wisdom teeth), x-rays)

Major & orthodontic:

12 months (e.g. crowns, bridges, root canal, removal of wisdom teeth, dentures, implants)

Benefit Limit: $350

Covers the cost of prescription glasses and contact lenses, and the cost of examination fees

Waiting period:

6 months

Benefit Limit: $500

Covers the cost of prescription glasses and contact lenses, and the cost of examination fees

Waiting period:

6 months

Benefit Limit: $350

Covers the cost of GP visits and prescriptions.

Waiting period:

2 months

Benefit Limit: $500

Covers the cost of GP visits and prescriptions.

Waiting period:

2 months

Benefit Limit: $350

Covers the cost of physiotherapy, or chiropractic or osteopathic treatment, whether or not you’ve been referred by your GP.

Waiting period:

2 months

Benefit Limit: $500

Covers the cost of physiotherapy, or chiropractic or osteopathic treatment, whether or not you’ve been referred by your GP.

Waiting period:

2 months

Benefit Limit: $150

Covers the cost of acupuncture, traditional Chinese medicine, remedial massage and vaccinations.

Waiting period:

2 months

Benefit Limit: $300

Covers the cost of acupuncture, traditional Chinese medicine, remedial massage and vaccinations.

Waiting period:

2 months

Benefit Limit: $200

Covers the cost of speech therapy.

Waiting period:

2 months

Benefit Limit: $400

Covers the cost of speech therapy.

Waiting period:

2 months

Benefit Limit: $350

Covers the cost of consultations by a psychiatrist or psychologist.

Waiting period:

6 months

Benefit Limit: $500

Covers the cost of consultations by a psychiatrist or psychologist.

Waiting period:

6 months