Pre-existing condition means:
Any sign or symptom of any condition, or any condition:
Standard Hospital and Premium Hospital do not cover any pre-existing conditions for the first three years. After three years of continuous cover from the commencement date, effective date or the join date (as applicable), it covers costs relating to health services for pre-existing conditions excluding those that relate to any of the following conditions: cardiovascular, cancer, hip or knee, back, transplant surgery, or reconstructive or reparative surgery, which are not covered at any time. For further information, please refer to benefit 13 of the Standard Hospital policy document or benefit 18 of the Premium Hospital policy document.
Standard Everyday and Premium Everyday provide cover for health services relating to the benefits insured by this cover once waiting periods have been served, whether or not they are related to and/or consequences of any pre-existing conditions.×
Provides cover for an insured person who:
Provides cover for an insured person who:
We are committed to protecting the privacy and security of the personal information we collect. We have implemented measures to comply with our obligations under the Privacy Act 1993, including the Health Information Privacy Code 1994. This section explains how we may collect and use personal information.
We collect personal information primarily to enable us to provide insurance benefits and related services. If the information provided to us is not accurate or complete, we may not be able to provide an accurate quote, or provide benefits for the requested insurance or related services.
The personal information we hold will depend on whether someone is an insured person or a recognised provider and which services they have used. Information may include:
We may collect personal information directly, in person or by phone or internet (including through the 'my nib' portal or nib mobile phone applications) when someone:
The information we collect is used to:
If we use personal information for direct marketing or research purposes, we will do so in accordance with the Privacy Act 1993 including the Health Information Privacy Code 1994 and any electronic marketing or research correspondence sent to an individual will give them the opportunity to “opt out” of receiving any further marketing or research correspondence.
In providing our services and using personal information in accordance with this Policy, we may collect information from or disclose a person’s personal information to:
Each policyowner and insured person authorises the collection of this information from and the disclosure of personal information to such parties for the purposes set out above.
We may also be required to disclose an insured person’s personal information to other individuals on their policy, or to individuals to whom the insured person has granted authority to act on their behalf. At the time of joining nib, the person applying for the policy authorises us to share information with other individuals on the policy. For example, this means we may make the policyowner aware of the details of all benefits and services claimed on the policy.
Personal information may be disclosed to third parties overseas where those parties are one of the parties listed above.
We will not disclose an insured person’s personal information to anyone, other than as above, unless:
Any person who we hold information about has a right to access, and request correction of, their personal information.
You can request details of your personal information by contacting us at 0800 123 nib (0800 123 642), or by emailing us at [email protected]
The accuracy of personal information is important to us. We will take reasonable steps to ensure that personal information is accurate, complete and up-to-date. We rely on persons who have a relationship with nib to advise of any changes to their contact details and any other personal information. Where possible please provide an email address. If a person believes that any personal information we hold is not accurate, complete or up-to-date, the person should contact us immediately.
We take all reasonable steps to ensure personal information is kept secure. We protect the privacy and security of the personal information we hold through the use of encryption, security access, firewalls and computer security systems. We have physical, electronic and procedural safeguards to protect your personal information which is held by us, and access to information stored electronically is restricted to staff whose positions require access to this. We may also use third party data storage providers and servers to store your personal information.
nib nz limited has an A- (Strong) Financial Strength Rating issued by S&P Global Ratings Australia Pty Ltd
The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default), R (Regulatory Action), NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.
For more information, visit www.spratings.com/understanding-ratings×
Pre-existing conditions that relate to any of the following categories are not covered at any time:
Please see the policy document for the full terms and conditions of what we never cover on this policy.×
An ‘abnormal medical test’ could be any medical tests with unusual results outside of a normal range, for example a blood result indicating low iron
An ‘abnormal medical assessment’ would include any consultation or medical investigation including medical imaging, ultrasounds, and MRI’s where the results have identified a sign or symptom of a medical condition.
The examples provided are not a complete list of all relevant tests or assessments. If you’re unsure how to answer this question, please give us a call on 0800 758 758 0800 758 758.×
1. This offer is open to eligible customers aged 18 years old and over, who:
2. There are a limited number of policies available for this offer. If all available polices are sold before the offer end date (29 March 2020), the offer will be withdrawn and no new customers will be able to take up the offer.
3. All eligible customers on the policy:
This offer is only available to customers who have not had any abnormal medical test results or assessments in the 12 months prior to application.
If, at any time, we find that any customer on a policy received an abnormal medical test result or abnormal medical assessment in the 12 months prior to application, contrary to his or her statement then, at our discretion, the pre-existing condition stand down periods may be reinstated and/or we may decline to pay any future claims (or seek to recover the amount of any paid claims) relating to that incorrect statement.
4. For customers who meet the eligibility criteria in paragraphs 1 and 3:
5. Some pre-existing conditions are not covered in this offer and no cover will be provided. These pre-existing conditions are those that relate to cardiovascular conditions and some risk factors, cancer, hip, knee or back, transplant surgery or reconstructive or reparative surgery. Please see the policy document for further information on these permanent pre-existing condition exclusions.
6. The offer is not transferable or redeemable for cash. This offer can’t be used in conjunction with any other offers.
7. This offer can be redeemed by phoning AA Health on 0800 758 758, completing the online application at health.aa.co.nz or visiting one of the AA Centres nationwide.
These terms may be updated or modified by us (provided this doesn't prejudice anyone who has already received the offer), and were last updated on 10 January 2020.
This offer may be withdrawn by us once the allocation of eligible policies is met.
10. “We”, “us” and “our” means nib nz limited, the insurer of the AA Health products.×