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✔ Up to $600,000 per person each policy year for private hospital surgical costs.
✔ Up to $300,000 per person each policy year for private hospital medical treatments (non-surgical)
✔ Non-Pharmac cover.
✔ Major diagnostic tests.
✔ Overseas treatments (up to $30,000 per treatment)
✔ Cover in Australia (up to the usual NZ cost)
✔ Complementary Travel Insurance.
✔ Loyalty benefits.
Please see policy documents for full details.
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(c) 2024 FAC Direct New Zealand
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:
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.
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.
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.
✔ 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.
