Why health insurance

Do I need health insurance in New Zealand?

As a resident of New Zealand, you can rely on the public health system for emergency care and treatment for serious conditions. Relying on the public system, though, can have its disadvantages. Using the public system might mean you wait longer for treatment, don’t get to choose your specialist, and if your condition is not related to an accident, you won’t be able to rely on the ACC (Accident Compensation Corporation) to pay for treatment.

How much will it cost without health insurance?

Accessing treatment through private health insurance gives you control over when and where you’re treated, the surgeon who treats you, and helps you pay towards the cost of your treatment – which otherwise might be unaffordable or significantly impact the lifestyle you’re used to.

Cost for head treatments
Cost for heart treatments
Cost for body treatments
Cost for leg treatments

Cataract surgery $3,200 - $5000
Removal of the cloudy lens from the eye affecting vision

Endoscopic sinus surgery $12,000 - $22,000
Surgical repair of the facial sinuses

Wisdom teeth removal $3,000 – $5,500
Surgical removal of wisdom teeth (third molars)

Thyroidectomy $10,500 to $16,000
Surgical removal of the thyroid gland


Angioplasty $17,300 – $27,400
Insertion of a catheter to unblock artery with a stent or balloon

Single valve heart operation $55,000 – $75,000
Surgery to repair or replace a heart valve

Heart bypass $35,000 – $55,000
An operation to rechannel blood flow to the heart


Mastectomy $12,000 – $17,000
Surgical removal of the breast

Spinal fusion $20,000 – $65,000
Surgery to join two or more vertebrae together

Gastroscopy $1,100 – $1,600
A diagnostic procedure to look at the mouth, throat and stomach

Cholecystectomy $9,000 – $13,000
Surgical removal of the gall bladder

Colonoscopy $2,000 – $2,600
A diagnostic procedure to look at the large bowel and sample tissue

Hysterectomy $14,000 - $22,000
Surgical removal of the uterus

Appendectomy $6,000 – $10,300
Surgical removal of the appendix

Hernia repair $7,000 – $18,000
Surgical repair of weakness in the abdominal wall


Total hip joint replacement $22,000 – $30,000
Replacement of the hip joint with an artificial joint

Resection of endometriosis $9,000 – $22,000
Surgical removal of the uterine cells from the pelvis or abdomen

Robotic Prostatectomy $30,000 – $60,0000
Robotic surgical removal of the prostate

Total knee joint replacement $22,000 – $35,000
Replacement of the knee joint with an artificial joint

Varicose veins (both legs) $7,000 – $11,000
Laser or surgical removal of varicose veins

What are some common treatments?

Cancer treatments
Removal of cancerous skin lesion $1,000 – $6,500
Chemotherapy $15,000 – $210,000
Radiotherapy $20,000 – $45,000
PET Scan $2,000 – $2,800
MRI Scan $1,500 – $2,500
CT Scan $1,300 – $1,700
Ultrasound $400 – $500
Children 0-20 years
Grommets $2,500 – $3,500
Insertion of tubes in the eardrum
Adenotonsillectomy $4,000 – $5,500 Surgical removal of adenoids and tonsils

How does health insurance work?

Customer pays premium to insurer
Health insurer
People pay into a ‘pool’ of money that is used to pay claims
You pay part of the cost according to your policy.
Customer recieves treatment
Heath insurer pays the rest, up to the limit of your policy

We paid almost $30 million in claims…

In the quarter to September 2017 we paid almost $30 million in claims to over 12,000 customers. The reality is that if these customers did not have their nib health cover they would have faced the financial burden of these costs on their own which can add additional stress during what is often already a difficult period.

However, health insurance isn’t just for those who are sick, we encourage and support people to use their health insurance to help them afford regular check-ups which may lead to early detection of ill health and allow them to seek treatment potentially before it’s too late.

Why choose nib?

Cover with options
Private hospital cover, cover for day-to-day expenses, or both! Pick what suits you and get cover for the things you need now and not for those you don’t. Choose your level of excess and how often you want to pay to tailor towards your needs.
Claiming is easy
With the nib app you can manage your health cover from the palm of your hand.
Your choice
The freedom to choose when, where, and how you receive treatment and who treats you.
14-day free-look period
During the first two weeks, if you decide your policy isn't right for you, you can cancel and we'll refund any premiums paid, providing no claims have already been made.

Claiming in four simple steps

Claim online, with the app or through your provider and make a payment request for procedures that have already taken place, including your pre-approved claims.

  1. Start your claim
  2. Take a photo of your receipt or invoice
  3. Add your claim info
  4. Add refund details
nib mobile app

Important things to know

  1. 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.
  2. 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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