Standard Hospital

Standard Hospital$8.38/week*

What is it?

You’ll be covered for the big things like cancer treatment, surgical procedures, and diagnostic investigations**. And you’ll also be able to claim for things like specialist consultations and post operational therapy, which can really add up without private health insurance.

Plus, if you don’t make a claim in 24 months, we will reimburse you up to $150 for gym or sport club membership or the purchase of fitness equipment!

Why is it worth it?

  • Easy sign up – no health questions at application
  • Up to $300,000 for surgical treatment per person each year
  • Your choice of nil, $250, $500, $1,000 or $2,000 excess per person each year
  • 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 will I be insured for?

  • Benefits

Covered conditions under this plan

ACC top-up claims
Hernia, appendix
Anus, haemorrhoids
Oral (excluding orthognathic surgeries)
Unerupted and impacted teeth
Sinus, nose, ears
Ankle, elbow
Circumcision
Tonsils, grommets, adenoids
Skin lesion – GP
Skin lesion – specialist
Digestive tract, liver, kidney, pancreas, gall bladder
Breast, gynaecology, urology
Cancer surgeries and treatment
Shoulder, wrist
Varicose veins
Hip, knee
Heart
Brain, eyes, neck
Gland, vascular
Chest, back
Foot, toe, hands, fingers and thumbs
Non-surgical hospitalisation
 

Benefits of Standard Hospital

All benefit limits apply to each person on the policy (just in case you thought you'd have to share!)

Note: this overview is not the policy document. It is an outline of the main features and benefits of the nib Standard Hospital policy. For a full explanation of the benefits and exclusions, and more legal bits, see the Standard Hospital policy document under 'insurance documents'.

Cancer treatment
Cover for and relating to cancer treatment including:
  • Chemotherapy
  • Radiotherapy
  • Brachytherapy
  • Hospital accommodation (e.g. Admitted Patient’s bed, a private room)
  • In hospital X-ray examination and ECG
  • Intensive post treatment care and special in hospital nursing
  • In hospital post treatment physiotherapy
  • Ancillary hospital charges (e.g. dressings, needles, bandages)
  • Hospital pharmaceutical prescriptions

We pay up to the Hospital medical benefit limit.

PHARMAC funded chemotherapy drugs for the treatment of cancer at home are covered under the Cancer Treatment at Home Benefit, for which we pay up to $10,000 each year.

Follow-up investigation for cancer

Cover for one registered specialist consultation and related investigations following cancer treatment.

We pay up to $3,000 per year for up to 5 consecutive years.

Travel and Accommodation Benefit – Cancer Treatment

Cover for travel costs for you and a support person, and accommodation costs for a support person when you need to travel further than 100km from where you live for treatment.

We pay up to $200 a night, up to a maximum of $5,000 for both travel and accommodation for each Insured Person every Policy Year.

Surgery in hospital
Cover for surgery in a private hospital, including costs for:
  • Surgeon’s operating fees
  • Anaesthetist’s fees
  • Operating theatre fee
  • Surgically implanted Prosthesis (in line with the prosthesis schedule)
  • In-hospital pharmaceutical prescriptions
  • Hospital accommodation (e.g. the admitted patient’s bed, a private room, excludes suites).

We pay up to $300,000.

Melanoma surgery in hospital

Cover for the cost of melanoma surgery, performed by a registered specialist in a recognised private hospital.

We pay up to the Hospital surgical benefit limit.

Oral surgery

Cover for oral surgery in a private hospital performed by a registered oral or maxillo-facial surgeon.

We will cover for removal of unerupted or impacted teeth (e.g. wisdom teeth) when performed by a registered oral or maxillo-facial surgeon. A 12 month waiting period applies.

We pay up to the Hospital surgical benefit limit.

Specialist consultations

Cover for registered specialist consultations up to 6 months before and after a related hospital admission.

We pay up to the Hospital surgical or Hospital medical benefit limit (whichever applies).

Diagnostic investigations

Cover for diagnostic investigations** up to 6 months before and after a related hospital admission.

We pay up to the Hospital surgical or Hospital medical benefit limit (whichever applies).

Non-surgical hospitalisation

Cover for medical treatment (not involving surgery) in a recognised private hospital in relation to a medical condition (e.g. heart disease, asthma, pneumonia or diabetes).

We also cover the cost of associated intensive nursing care, X-rays, disposables and consumables, dressings and in-hospital pharmaceutical prescriptions. In addition, this benefit covers less invasive procedures as an alternative to surgery.

We pay up to the Hospital medical benefit limit.

GP minor surgery

Cover for any minor surgery performed by a GP, including one pre and one post consultation and any related biopsy.

We pay up to $750.

ACC top up

Cover for the difference in costs between what is paid by ACC for an injury and the costs incurred.

We pay up to the Hospital surgical benefit or Hospital medical benefit limit (whichever applies).

ACC Treatment Injury

Cover for reparative treatment for any injury that occurs during treatment.

We pay up to the Hospital surgical or Hospital medical benefit limit (whichever applies).

Ambulance transfer

Cover for road ambulance transfer from a public or private hospital to the closest private hospital.

We pay up to the Hospital surgical or Hospital medical benefit limit (whichever applies).

Post-hospital physiotherapy

Cover for physiotherapy consultations and treatment up to 6 months after admission.

We pay up to $500.

Varicose veins surgery

Cover for the cost of varicose vein surgery performed by a recognised provider.

We pay up to the Hospital surgical benefit limit.

Registered specialist skin lesion surgery

Cover for skin lesion surgery performed by a registered specialist.

We pay up to $2,500.

Podiatric surgery

Cover for surgery performed by a podiatric surgeon under local anaesthetic, including up to one pre and one post-surgery Consultation and related x-rays.

We pay up to $6,000.

Travel and accommodation – surgery and medical treatment

Cover for travel costs for you and a support person, and accommodation costs for a support person when you need to travel further than 100km from where you live for treatment.

We pay up to $2,000 for travel and up to $200 each night for support person accommodation, up to a maximum of $3,000.

Parent accommodation

Cover for accommodation costs for a parent or legal guardian accompanying an insured person age 20 and under who is being treated in a recognised private hospital.

We pay up to $200 each night up to $1,000 each year.

Pre-existing cover for newborns

Cover for pre-existing conditions (except congenital conditions) for dependent children when added to the policy within 4 months of birth.

Funeral support benefit

We provide a $3,000 cash benefit if an insured person dies between the age of 16 and 64 (inclusive).

Gym and sports Bonus
Reimbursement towards the following:
  • membership of a gym or sports club; or
  • sports/fitness equipment purchased from a sporting retailer

We pay up to $150 after each 24 month period of continuous cover.

This benefit is only payable if no claims were paid in the preceding 24 month period.

Waiver of premium

Cover for the costs of premiums due for up to two years if the policy owner dies before age 65.

Suspension of cover
After 12 months of continuous cover, you can put your cover on hold for:
  • Up to six months due to unemployment or redundancy; or
  • Up to 24 months for travel outside New Zealand; or
  • Up to 12 months for parental leave.
Non-PHARMAC chemotherapy drugs
Obstetrics
Intravitreal eye injections
Post-hospital therapeutic care
Post-hospital home nursing care
Sterilisation

Insurance documents