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, plus non-PHARMAC treatments. With AA Health Insurance, you can sit back and relax knowing you're covered by one of NZ's most 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.

Optional Hospital cover add-on which covers the cost of some drugs that are Medsafe approved and prescribed under the Medsafe Guidelines but aren't funded by PHARMAC#

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

Highly Commended Trusted Brand Health Insurance 2022

We’re delighted to be recognised by Kiwis like you. For the last six 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 Treatments

Removal of cancerous skin lesions

$1,000 - $9,500


$15,000 - $170,000
(Per treatment cycle)


$20,000 - $55,000

(Per treatment cycle)


PET Scan

$2,000 - $3,200

MRI Scan

$1,500 - $3,000

CT Scan

$1,300 - $1,700


$500 - $1,500

Children 0 - 20 Years


$2,200 - $3,500
(insertion of tubes in the eardrums)


$4,000 - $5,500
(surgical removal of adenoids and tonsils)

Making claims easy

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.

Make a claim

The Insurer

AA Health Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA) and are issued and underwritten by nib nz.

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 

*If provided after your policy has commenced, the discount will apply from your next billing date after you provide us with a valid AA Membership number and is applicable while you (or someone named on your policy) remain an AA Member.
**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. 
#Policy terms and conditions, exclusions, and benefit limits apply. For more information on non-PHARMAC Plus, see the non-PHARMAC Plus Policy Wording.