Private Hospital Cover

Private Hospital Cover helps with the big stuff, like diagnostics, surgery, and treatment in private hospitals. Even if you're fit and healthy, it's important to have a plan in place for unexpected medical expenses, to help you get access to the right support you when you need it most.

• $300,000 surgical cover per person each year**
• $200,000 non-surgical and cancer cover per person each year**
• Cover for many pre-existing conditions after three years 
• Your choice of nil, $500, $1,000, $2,000, $4,000, $6,000 or $10,000 excess
• 5% AA Member discount available if you provide a valid AA Membership number for you or someone named on your policy*

Apply for yourself and your family through our quick online application, at an AA Centre or over the phone with our New Zealand based team.

non-PHARMAC funded drugs can be lifesaving but could possibly cost up to hundreds of thousands of dollars. The non-PHARMAC Plus option can be added to Private Hospital or Private Hospital and Specialist Cover, and helps you cover the cost of some drugs that are Medsafe approved and prescribed under the Medsafe guidelines but aren’t funded by PHARMAC at the time of your treatment#.

With non-PHARMAC Plus, you may have access to wider treatment options and cover for approved drugs used to treat cancer and other types of health conditions.​ 

We want to make sure you're confident knowing what you are and aren't covered for. That means reading your Policy Wording to understand the benefits as well as your responsibilities, and the cover limits and exclusions of your policy.

We will pay up to a total maximum of $300,000 for each insured person every policy year, less any excess for any of the surgery related benefits under this cover.

We will pay up to a total maximum of $200,000 for each insured person every policy year, less any excess for the non-surgical (non-medical) and cancer related benefits under this cover. Individual limits may apply to each of the benefits.

• Benefit limits and excesses apply per person and refresh each policy year.
• 100% of your eligible cover amount can be claimed if you select a provider from the nib First Choice Network. You can still choose a provider outside of the network; you will just need to make a 'gap-payment', as these provider rates aren't standardised and regulated through the group.
• There's a 14-day cooling off period that gives you peace of mind in knowing that if you change your mind in this time, we'll refund 100% of premiums paid.
• Waiting periods apply before you can access some benefits under your policy. See the Policy Wording for more information.
• Many pre-existing conditions are covered after a 3 year waiting period. Some pre-existing conditions are never covered, including cancer and cardio conditions. Please check the Policy Wording for full details.
• Premiums are based on the age, gender, and for some, smoking status of customers on the policy.
• It's possible for all AA Health Insurance premiums to increase in the future. We will always give you 30 days' written notice if that happens.
• For more information on non-PHARMAC Plus, see the non-PHARMAC Plus Policy Wording. 

We make the claims process simple so you can focus on recovering while we look after your claim. To make your claim hassle-free, some First Choice network healthcare providers can submit pre-approvals and claims on your behalf. Plus, by choosing a First Choice network healthcare provider, you'll have 100% of your eligible costs covered (up to your benefit limit, subject to any excess payable and in line with your policy terms).

For more information on making a claim, visit our Make a claim page.