Private Hospital to Everyday cover

Why 1 million Kiwis and Aussies choose nib. Request a call back from one of our sales representatives.

    Why choose nib Insurance?

    Peace of mind and cover are two of the most important things private health cover can provide. But that's just the beginning of what it means to those families enjoying private cover.

    Designed for you

    Need hospital cover to protect you from big bumps in life? You got it. Want your health to get the care you always meant to give it? It's easy with Everyday cover. Combine both to give your health the blueribbon treatment. It's your call.

    An Everyday edge

    Give your “new you” an edge over your old self with Everyday cover that puts a percentage of the cost of a massive range of health-boosting benefits back into your pocket (up to your policy limit). Want to see what nib gives you? Find out more about Everyday cover.

    Express treatment

    When your health needs help, we spring into action. Private health cover means you'll be seen to pronto.

    Our network, your choice

    With the nib First Choice network, you're covered for 100% of your eligible costs, plus your claims may even be sent in by your provider (some conditions apply).

    Cover you control

    Managing your policy is something you should be able to do whenever you want. And you can. Log in online to get pre-approval on upcoming medical expenses, track claims, or view your policy details to clear up questions you have.

    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

    Why health insurance?

    Many people don't think about taking up a health plan until they're unwell. Unfortunately, that might mean they pay more or are covered for less...

    We often forget about it, but health is your constant companion and best friend through life. With health on your side, you're able to go on incredible adventures, achieve wonderful things and live a life worth writing about.

    But when your best friend suffers, you're no longer able to do the things you want. And while public health might provide basic help, the stress, waiting, uncertainty and lack of control may make the road to recovery long, hard and draining.

    That's not what life is about.

    When you have private cover, your health gets the help it needs as soon as it needs. In good times, cover can help keep your health in tip-top shape. In bad, it gets you back on your feet as quickly, and stress-free as possible.

    What are the benefits?

    Premium Hospital benefits


    Cover for and relating to the treatment of cancer, including chemotherapy and radiation therapy

    Specialist consultations

    Get in front of a specialist you choose, even if you are not admitted to hospital


    You're covered for having surgery in a private hospital


    Access to a range of scans and other diagnostic investigations, even if you are not admitted to hospital


    Cover for the cost of treatment by an obstetrician

    Premium Everyday benefits


    Claim 80% back on routine check-ups, root canals & more

    GP visits & prescriptions

    Covers 80% of the cost of GP consultations and prescriptions

    Glasses & contacts

    Claim 80% back on the cost of your prescription glasses, contacts and eye exams

    Physio/ Chiro/ Osteo

    Claim 80% back on the cost of treatment from a physiotherapist, osteopath or chiropractor

    Remedial massage

    Claim 80% back on the cost of remedial massage

    I rang nib… and I just said, "I'd like to say thank you"

    What could a partner in health do for your life?

    You choose a partner in health
    When you partner with nib, you're partnering with people who want your health today and tomorrow to be the best and brightest it can be.
    Five questions. Done.

    Don't want to visit an office just to sign up? You don't have to! You can get a quote by answering just five questions by jumping onto the nib website. Plus, we won't ask you any medical questions.

    If you thought joining was simple, you'll find claiming with nib even easier. You can make one in minutes via our mobile app or online.
    Super service
    When you're with nib, you're supported every step of the way.
    Your first choice
    With a network of New Zealand's medical professionals to choose from, you'll get top quality healthcare and be covered for up to 100% of your eligible costs (up to your benefit limit, with some conditions applying).

    "If there's one word to describe what nib's given us… it'd have to be freedom."

    Making claims easy

    The last thing you want to do when bouncing back is having to stress about your claim. So, we built an app that took the worry and time out of that. In minutes, you can make your claim and get on with life.

    4 Stress-Free Steps to Claiming With nib

    1. Start a new claim in the app

    2. Take and attach photo of receipts or invoices for the claim

    3. Add any other claim info you need to

    4. Include your refund details


    nib mobile app

    "Just take a picture of the receipt, say submit... that's it"

    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

      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.
      3. This overview is not a policy document. It is an outline of the main features and bene"ts of the nib hospital and everyday covers. A full explanation of the bene"ts and exclusions are contained in the policy documents. The policy documents are available from our documents page.