Pre-existing conditions?

They can make you feel locked in.

But for a limited time we're offering no waiting periods on many pre-existing conditions. Exclusively available by phone!

Call us now 0800 123 642 (press 3).
Call us on 0800 123 642 (press 3).

Why it's worth it?

Over 1 million Kiwis and Aussies covered
Over 1 million Kiwis and Aussies covered
Fast track access to your healthcare treatment
Fast track access to your healthcare treatment
Tailor your cover to suit your needs
Tailor your cover to suit your needs
Simple to join, value for money
Simple to join, value for money

What is nib’s pre-existing condition offer?

  • Covers many pre-existing conditions.
  • Waives usual 3 year waiting period for eligible pre-existing conditions.
  • Waives 12 month waiting period for removal of un-erupted or impacted teeth.

Some pre-existing conditions are never covered. You won't be covered at any time for pre-existing conditions that relate to the following conditions: cardiovascular, cancer, hip or knee, back, transplant surgery, reconstructive or reparative surgery. Please refer to the policy document for further information.

See policy document for further information.


At nib we help over a million Kiwis and Aussies get quality treatment when they need it most. Why? Because that’s how it should be!

  • Singles

    Singles Health Insurance

    From just the everyday to comprehensive hospital insurance, you want quality cover that suits your needs.

    From $17.35 weekly1

  • Couples

    Couples Health Insurance

    You’re in an established relationship, but not planning a family. You want quality cover that suits both of you.

    From $37.57 weekly2

  • Families

    Families Health Insurance

    You’ve started a family but there’s room for more! You’d like to be covered for the everyday and birth-related services.

    From $53.21 weekly3

Important things to know

  1. Based on two adults, 27, non-smokers with a $500 annual excess. Price includes our 4% direct debit discount.

Eligibilities and requirements

  1. New nib customers only.
  2. Must take out either Standard Hospital cover or Premium Hospital cover.
  3. Must be aged 60 or under.
  4. Available by phone only, through 0800 123 642 (press 3).
  5. 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.
  6. Must have stated to nib any abnormal medical test results or assessment in the last 12 months.
    • An ‘abnormal medical test’ could be any unusual medical tests, for example a blood result including low iron.
    • An ‘abnormal medical assessment’ would include any consultation or medical investigation including medical imaging, ultrasounds and MRIs where the results have identified changes.
  7. Limited time only & limited policies available. Offer extended and now ends 13 February 2019 or when eligible policies are all allocated.
  8. See full terms and conditions.

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