Combine covers

What is Private Hospital health insurance?

Kiwis with nib Private Hospital cover get fast access to the private health care system. We've made it simple to choose the right hospital cover for you, which is how it should be. Having Standard or Premium Hospital with nib means you are covered for the big things like cancer treatment, surgical procedures and diagnostic investigations, plus a whole lot more.

What is Everyday health insurance?

Our Everyday covers are for day-to-day health costs that don’t generally need a hospital visit, like visiting the doctor, buying new glasses, or no-referral physio. You’ll also be covered for visits to the chiropractor as well as remedial massage and acupuncture.

We also cover dental treatments performed by a registered dental practitioner or oral surgeon, including examinations, cleaning and scaling, fillings, extraction, associated x-rays, orthodontic treatment and endodontic treatment. Find out more details, below.


What's my cost?

Standard Hospital +
Standard Everyday
From $17.35 / week 2
Premium Hospital +
Premium Everyday
From $24.45 / week 2
Overall benefits limits (Benefit limits are per person per year):
Overall benefits limits
Surgical related benefits
Up to:
$300,000
Up to:
$300,000
Non-surgical related benefits
Up to:
$200,000
Up to:
$200,000
Benefits (Benefit limits are per person per year):
Benefit limits are per person per year
Cancer Treatment
Surgery in hospital
Specialist consultations
Diagnostic investigations
Follow-up investigations for cancer
Travel and accommodation - Cancer
Melanoma surgery in hospital
Oral surgery
Non-surgical hospitalisation
GP surgery
ACC top up
ACC Treatment Injury
Ambulance transfer
Post-hospital physiotherapy
Varicose veins surgery
Registered specialist skin lesion surgery
Podiatric surgery
Travel and accommodation – surgery and medical treatment
Parent accommodation
Pre-existing cover for newborns
Funeral support benefit
Gym and sports no claims bonus
Waiver of premium
Suspension of cover
Non-PHARMAC chemotherapy drugs
 
Obstetrics
 
Intravitreal eye injections
 
Post-hospital therapeutic care
 
Post hospital home nursing care
 
Sterilisation
 
Everyday inclusions (Benefit limits are per person per year):
Benefit limits are per person per year
 
Claim back
60%
of costs
Claim back
80%
of costs
Dental – including orthodontics
Optical examinations, glasses & contact lenses
GP visits & prescriptions
Physio, chiro & osteo
Acupuncture, traditional Chinese medicine, remedial massage and vaccinations
Speech therapy
Mental health consultations

These are costs you could expect to pay if you’re treated in a private hospital without health insurance.

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

    Benefit maximums: just in case you thought you needed to share, benefit maximums are for each insured person every policy year, unless stated otherwise. Excess applies per person each policy year too.

    Waiting periods: waiting periods apply to some benefits on your hospital cover. This is the time after you start a new policy that you have to wait before you make a claim.

    nib First Choice network: use the nib First Choice Directory to check which providers in your area are part of the nib First Choice network for any health services you need. When treated by an nib First Choice provider, 100% of eligible costs will be covered, up to your benefit limits and in line with your policy. You can still choose to see a recognised provider who is not in the nib First Choice network but nib will only pay for treatment from that recognised provider up to a defined limit (the Efficient Market Price).

    1. Pre-existing conditions: you won't be covered at any time for pre-existing conditions that relate to the following conditions: cardiovascular, cancer, hip or knee, back, transplant surgery, reconstructive or reparative surgery. Please refer to the policy document for further information.
    2. Price includes our 4% direct debit discount.
      Price based on: 25 year old male, non-smoker with a $500 annual excess.
    3. nib claim statistics as at June 2018. 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.
    4. nib claim statistics as at June 2018. 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.

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