Complaint Disclosure Statement

Your complaint has been received. We are keen to resolve your complaint as quickly as we can and clear up any misunderstandings.

We are currently gathering information about your complaint and may contact you again to obtain further information. We aim to resolve complaints within 10 working days of receiving them. If we need more time to investigate your complaint, we will let you know when you can expect to receive a response to your complaint. We will contact you by phone, email or letter to let you know whether we can resolve your complaint and how we propose to do so.

If we cannot agree on how to fix the issue, or if you decide not to use our internal complaints process, you can contact our external disputes resolution scheme, Insurance & Financial Services Ombudsman Scheme. Insurance & Financial Services Ombudsman Scheme provides a free and independent dispute resolution service that may help to resolve your complaint if we haven’t been able to do so to your satisfaction.

To contact Insurance & Financial Services Ombudsman Scheme:
Call: 0800 888 202
Email: info@ifso.nz
Write to: Insurance & Financial Services Ombudsman Scheme
PO Box 10-845 Wellington 6143 NEW ZEALAND

This information is available in writing. Please ask us if you would like a copy.

The tools provided in this website designed to help you choose a policy and apply online for nib plans, however they are not intended to provide a specific personal advice.

Not sure what plan is best for you? GET FREE ADVICE

With over 65 years’ experience in providing health insurance and now cover over 1.5 million people across the Tasman, nib provide a range of health insurance options for Kiwis and their families, as well as for New Zealand companies who want health insurance for their employees.

Family Assurance Centre, a trusted nib’s distribution partner has proudly served the insurance needs of New Zealanders since 2005.

By creating FAC Direct website we enable Kiwis to compare and apply for nib health insurance policies and enjoy promotional offers.

FAC Direct website offers the following great features:

Instant quotes.
Easy-to-follow secure online application.
Electronic confirmations.

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

A voluntary excess is where you can choose a higher excess for a lower premium.

For example, if you select $500 excess and the hospital bill is $35,000, you pay $500 and the Insurer pay $34,500.

The base plan excess on Ultimate Health & Ultimate Health Max policies does not apply for the Specialist, Everyday Benefits and Dental options.

See policy documents for full details.

Ultimate Health & Ultimate Health Max base plans covers specialist consultations if they are related to hospitlalisation.

If you want specialist consultations to be covered at all times, then this is a great add-on to your policy.

Covers unlimited registered specialists consultations or vocational GP consultations.

You won’t pay any excess for claims under this option.

See policy documents for full details.

Everyday cover

Pays back 100% of the costs of some day-to-day healthcare treatments such as: GP, Prescriptions, Physiotherapy, nurse visits, and more.

You won’t pay any excess for claims under this option.

See policy documents for full details.

Dental & Optical

Ideal if you have regular trips to the dentists and optometrist.

See policy documents for full details.

Add to your policy a one-off lump sum payment cover, to help you reduce the strain of dealing with specific trauma conditions.

You can use this lump sum on whatever you wish. For example paying off the mortgage or maybe a holiday to recuperate.

Key features

✔ Choice of trauma lump sum cover – $20,000 or $50,000

✔ Free cover for your children under this option (children up to 20 y/o gets automatically added to adults cover)

✔ Additional payment for paralysis equal to your sum insured amount.

Please see the policy documents for full details.