AA Health Insurance

From one of NZ's most trusted health insurance brands

AA Health Insurance

AA Health Insurance provides quality, affordable cover for you and your loved ones - from day-to-day medical expenses like GP and physio, through to surgery and specialist consultations. With AA Health Insurance, you can sit back and relax knowing you're covered by one of NZ's trusted health insurance brands.

As a New Zealand resident, it's true that you can get emergency care and treatment for serious conditions through the public health system. Relying on this alone can come with disadvantages though - you may have long wait times for treatment, you may not have access to the health provider of your choosing, and you may not receive compensation from the ACC if your condition isn't related to an accident. Having health insurance means you can get the treatment you need faster.

Get a quote

Why choose AA Health Insurance


Get a quote online in minutes. Apply online, over the phone, or at your local AA Centre.


We've made it simple with three plans to choose from. Plus, there are no medical checks on application.


As one of NZ's trusted health insurance brands, we are proud to take care of Kiwis' insurance needs.


Our friendly team are based here in New Zealand and ready to support you and help answer any questions.

AA Health Insurance policies

Covers you for day-to-day medical expenses. Add Everyday benefits to your policy or purchase on its own.

Covers you for diagnostics, surgery, and treatments in a recognised private hospital, with high excess, low premium policy options.

Covers you for specialist consultations, diagnostics, surgery, and treatments in a recognised private hospital, with low excess policy options.

Proud to be a trusted, and well-loved Kiwi brand

Reader's Digest Highly commended - Trusted brand 2017-2021 Health Insurance

We’re delighted to be recognised by Kiwis like you. For the last five years, we’ve been voted Highly Commended in the Reader's Digest Trusted Brand survey alongside receiving Canstar's 2021 Most Satisfied Customers Award with a 5-Star Rating in overall satisfaction.

How much difference could health insurance make?

With no health insurance in place, unexpected treatment costs could leave you in a difficult position financially. Health insurance helps pay toward these costs and gives you control over where and who you're treated by. It's good to know how much typical procedures cost to get a better understanding whether you'd benefit from having cover in place.** 

infographic showing common conditions and possible costs Enlarge image.

Here are some common treatments you or your family could experience

Cancer TreatmentsDiagnosticsChildren 0 - 20 Years

Removal of cancerous skin lesions

$1,000 - $9,500

PET Scan

$2,000 - $3,200


$2,200 - $3,500

(insertion of tubes in the eardrums)


$15,000 - $170,000

(Per treatment cycle)

MRI Scan

$1,500 - $3,000


$4,000 - $5,500

(surgical removal of adenoids and tonsils)


$20,000 - $55,000

(Per treatment cycle)

CT Scan

$1,300 - $1,700



$500 - $1,500



Making claims easy

We make the claims process simple so you can focus on recovering while we look after your claim. By choosing a specialist from the nib First Choice Network, you will have 100% of your eligible costs covered (up to your benefit limit and in line with your policy). Plus, many health partners can also take care of the paperwork for you.

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

Make a claim

Our insurance partner

AA Health Insurance is a partnership between The New Zealand Automobile Association Incorporated (AA) and nib nz. nib nz underwrites AA Health Insurance's products.

Financial Strength Rating

nib has been given an A- (Strong) Financial Strength Rating issued by S&P Global Ratings Australia Pty Ltd.

Financial advice

Our website provides general information about products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t take into account your specific financial situation, needs or goals and is not intended to be financial advice.

If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Log in to your AA Health Insurance Account
Contact Us
Make a Claim
Policy Wordings
Prosthesis Schedule
Terms and Conditions 

*5% AA Member discount available if you provide a valid AA Membership number for you or someone named on your policy on application. 
**Copyright 2019 nib nz limited. Used under licence by AA. This material is provided by nib nz limited ('nib') to the New Zealand Automobile Association Incorporated ('AA') for use by AA solely in relation to marketing the nib products the subject of the AA Health Agreement between nib and AA during the term of that agreement. nib owns all Intellectual Property and other rights relating to it.