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
An Everyday edge
Express treatment
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
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.
Cataract surgery $3,300 - $4,500
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 – $4,000
Surgical removal of wisdom teeth (third molars)
Thyroidectomy $11,000 to $15,000
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 – $70,000
Surgery to repair or replace a heart valve
Heart bypass $35,000 – $45,000
An operation to rechannel blood flow to the heart
Mastectomy $13,000 – $16,500
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 – $11,000
Surgical removal of the gall bladder
Colonoscopy $2,000 – $2,600
A diagnostic procedure to look at the large bowel and sample tissue
Hysterectomy $15,000 - $17,000
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 – $25,000
Replacement of the hip joint with an artificial joint
Resection of endometriosis $9,000 – $15,000
Surgical removal of the uterine cells from the pelvis or abdomen
Robotic Prostatectomy $30,000 – $55,0000
Robotic surgical removal of the prostate
Total knee joint replacement $22,000 – $27,000
Replacement of the knee joint with an artificial joint
Varicose veins (both legs) $7,000 – $8,300
Laser or surgical removal of varicose veins
What are some common treatments?
Insertion of tubes in the eardrum
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
Cancer
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
Surgery
You're covered for having surgery in a private hospital
Diagnostics
Access to a range of scans and other diagnostic investigations, even if you are not admitted to hospital
Obstetrics
Cover for the cost of treatment by an obstetrician
Premium Everyday benefits
Dental
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?
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 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
"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
- nib claim statistics as at June 2016. 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.
- nib claim statistics as at June 2016. 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.
- 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.
Two months free offer Terms & Conditions
This offer applies to new customers of nib (someone who is not an existing nib customer as at 10 June 2019), 18 years old and over who purchases any Hospital and/or Everyday cover, between 10 June 2019 and 31 July 2019 via the nib telesales team. This offer is not available for policies purchased online.
Notwithstanding this period of general availability of the offer to the general public, nib may (in its absolute discretion) provide this offer to any customers who purchase policies after 31 July 2019.
Eligible customers must pay for the first month and will then receive the second and third months premiums free as long as the policy remains in force. If a weekly or fortnightly payment option is selected, weeks five to twelve (inclusive) will be free after an eligible customer has paid for weeks one to four (inclusive).
At the end of the two months of free cover, premiums will again be payable and you will continue to be charged on the payment cycle you have chosen (Weekly/fortnightly/monthly/quarterly/annually).
The two months free will be applied as a credit on your policy. The credit is not transferable, refundable or redeemable for cash.
This offer can’t be used in conjunction with any other offers.
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 June 2019. Any material change will be notified on nib.co.nz.