Referral Scheme Terms & Conditions | FAC Direct nib Health Insurance nib ultimate health max

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

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Policy documents

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.

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