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Affordable family health insurance...

Why choose nib health insurance?

NZ health system allows you to receive emergency treatment through public hospitals and medical providers. However, as demand is increasing through the public system, you may have to wait to be treated.

That’s where having nib health insurance can make a huge difference.

nib health insurance has been designed to give you the ability to fast track treatment and choose who, when, where and how you are treated.

nib Health Insurance

Allows you to fast track treatment
Allows you to choose when and where you are treated

Get nib health insurance quotes and apply online;

Get a Quote

Protects your family...

...from health setbacks that life can place in their way

Private Health Insurance

Cost-Effective Health Insurance

Quality Medical Care

Ensure that you have access to quality medical care when you need it.

Why nib Health Insurance?

Over a million New Zealanders and Aussies have chosen nib to help them access great value health insurance cover!

We received countless enquiries about what are the differences between the Hospital Plans: ‘Standard’/’Premium’ (entry level policies range) and nib’s best policies the Ultimate Health & Ultimate Health Max.

At a glance;

	Hospital Cover – Standard/Premium	Ultimate Health / Ultimate Health Max
Cancer Treatments	Up to $200,000	Up to $300,000
Everyday benefits	Pays back either 60% or 80%	Pays 100%
Non-PHARMAC drugs (for drugs not subsidised by the government)	Up to $20,000 and limited to cancer treatments only.	Up to the balance available in the surgical or non-surgical ($600,000 or $300,000) and does not limited to cancer treatment.
Hospital Cover	$200,000	$300,000
Surgical Cover	$300,000	$600,000
Diagnostic investigations	Up to $5,000 for CT, MRI and PET scans per year. Up to $15,000 for all other diagnostics per year.	No limit on the number of diagnostic investigations. No limit per diagnostic investigation.
Future Enhancements	NO	Yes. Any increase in benefits limits and new benefits automatically be applied to your policy for free (UH Max only)
Health questionnaire when you join.	No. Supporting documents may be required due course.	Health questionnaire is when you apply for your policy, means peace of mind in the future when you lodge your first claim.
Day-to-day Specialist Visits	Mandatory Excess applies (according to your base plan excess)	No Excess to pay

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