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.

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non-PHARMAC Plus

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.

Find out more

Be confident knowing what your policy covers

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.

Surgical Benefit

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.

Non-Surgical Benefit

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.

Private Hospital Cover	Annual Benefit limits^
Standalone benefits
Surgical Benefit	$300,000 Includes oral surgery, mohs surgery and varicose vein treatment Includes extraction of unerupted or impacted teeth after a 12-month waiting period
Non-Surgical Benefit	$200,000
Included under standalone benefits
Cancer Treatment	In Hospital: up to Non-Surgical Benefit At Home: up to $10,000
Non-PHARMAC Cancer Treatment	$10,000
Follow-up Investigations for Cancer Benefit	$3,000
Specialist Consultations	Up to Surgical/Non-Surgical Benefit Must relate to and be within 6 months before and after being admitted to private hospital for surgery or treatment
Diagnostics Tests	Up to Surgical/Non-Surgical Benefit Must relate to and be within 6 months before and after being admitted to private hospital for surgery or treatment
CT, MRI and PET Scan Benefit	N/A
Physiotherapy Benefit	$750 Must relate to and be within 6 months after hospital discharge Must have a referral from the specialist who treated you while you were in the hospital
Therapeutic Care Benefit	$250 Must relate to and be within 6 months after hospital discharge
Home Care Benefit	$150/ day, $6,000 per year Must relate to and be within 6 months after hospital discharge
Ambulance Transfer Benefit	Up to Surgical/Non-Surgical limit From public/private to closest private hospital
Travel and Accommodation Benefit	Accommodation Up to $300 per night Travel Surgery/ medical treatment: Up to $3,000 Cancer treatment: Up to the Surgical/Non-Surgical Benefit
Parent Accommodation Benefit	$200 per night, up to $3,000
High-Risk Pregnancy Benefit	N/A
Pre-existing cover for newborns	Pre-existing conditions (except congenital conditions) are covered when a child is added within 4 months of birth General exclusions apply
GP Surgery Benefit	N/A
Skin lesion Surgery Benefit	$6,000 Surgery as well as related biopsies by a specialist or other health professional
Eye injections Benefit	N/A
ACC Top Up Benefit	Up to Surgical /Non-Surgical Benefit
ACC Treatment Injury Benefit	Up to Surgical/Non-Surgical Benefit
Waiver of Premium Benefit	N/A
Loyalty – Suspending your cover Benefit	Unemployment, redundancy, parental leave, or overseas travel or residence After 1-year continuous cover
Loyalty – Sterilisation Benefit	N/A
Pre-existing Conditions	Pre-existing conditions covered after 3 years of continuous cover Cardiovascular, cancer, hip or knee, back, transplant surgery and reconstructive or reparative surgery will never be covered Permanent exclusion doesn’t apply to cancer if it is pre-malignant and has been appropriately treated by a GP or specialist who is suitably qualified to carry out that treatment

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Things you should know

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.

Private Hospital Cover