Terms of Use | FAC Direct

FAC Direct website – Terms of Use

No Personalised Advice.

Without attempting to limit the provisions of the Financial Advisers Act, you accept that FAC Direct website does not provide any Financial Adviser Service which is a personalised service within the meaning of that Act.

Choosing a policy.

The tools provided to help you choose a level of access (for example our online calculator) or compare policies costs and coverage are provided in good faith, however they are of a general nature and might not be relevant to your individual circumstances.

By accessing the website, you accept that this website is not intended to provide a substitute for comprehensive or specific professional advice. You should not act in reliance upon any information contained on the website without first obtaining professional independent advice from a Financial Adviser relevant to your individual circumstances.

Applying for your policy
By applying for nib health insurance through this website, you acknowledge that you are acting on your own behalf on a “non-advice basis” and have read and accepted the ‘Terms of Use’ and the ‘Disclosure Statement’ (important information) available here

A copy of your submitted application will be emailed to you for your review and record.

General Disclaimer.

Although all reasonable care has been taken in producing the information contained on the website, it is of a general nature only, and does not consider any individual’s particular circumstances, financial, medical or otherwise.

Family Assurance Centre makes no representation or warranty about the accuracy or completeness of information and to the maximum extent permitted by law accepts no liability or responsibility in respect of errors in or omissions from information contained on the website, to the extent permitted by law.

While we try to ensure that the content of the website is up to date and free from error to the maximum extent permitted by law, we do not give any guarantee or other assurance of the currency of any information or its accuracy, adequacy, completeness or suitability for your intended use.

Liability.

Family Assurance Centre (the owner of this website) cannot be held liable for any decisions you make based on information on this site. Neither Family Assurance Centre, nor its directors, employees, agents, independent contractors, nor any other person guarantee the performance of the insurer nor insurance policies offered on this website.

It is important that you read the policy document to make sure that your selected policy is right for you. Alternatively, you can contact us and we will be more than happy to assist you.

To the fullest extent legally possible, neither Family Assurance Centre (the owner of this website) or its directors, employees, agents, independent contractors, nor any other person, accepts any liability or responsibility for any loss, damage, cost or expense (including but not limited to financial loss, loss of revenue, loss of profits or savings, indirect or consequential losses) arising in contract, tort (including negligence) or otherwise, that may result from any error, omission or misrepresentation on the website or reliance on information contained on the website or from any use of or access to the website.

Site access

FAC does not guarantee the continued availability of the website. Access to any saved information may be interrupted, restricted, delayed or unavailable. FAC accepts no responsibility or liability in relation to any loss suffered in these circumstances.

Insurance premium.

The premium displayed when you obtain a quote on this website is the premium which will apply in the first year of your policy (subject to acceptance and underwriting by nib)

Premiums for each subsequent year will be calculated according to your age and other parameters at the beginning of each new policy year.

By applying for your policy you confirm that you accepted these terms of use.

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.