Private Hospital

What is private hospital cover?

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.

  • It's easy to join online, or we’re here to discuss further if you need it
  • Balance the cost of the cover you need by choosing an excess option that suits you
  • Cover for most pre-existing conditions after three years ∗
  • The benefits of nib's First Choice network which can help keep claim costs down and help make premiums more affordable in the long term

What you need 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.

∗ 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 this policy document for further information.

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).