Health insurance from AA Health

From one of NZ's trusted health insurance brands

Join and claim offer - available for a limited time

Take out Everyday and one of the Hospital Covers today, and claim on Everyday benefits straight away^ - no waiting for you!

Find out more

Health insurance from AA Health

AA Health 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 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


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.

One of NZ's trusted health insurance brands, as voted by Kiwis 

Kiwis like you have voted us Highly Commended in the Health Insurance category of the Reader's Digest Trusted Brand survey from 2017-2019.

AA Health Insurance TBNZ2017 2019 HC Health Insurance

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.** 

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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 is a partnership between The New Zealand Automobile Association Incorporated (AA) and nib nz. nib nz underwrites AA Health'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 our 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 personal circumstances, needs or goals and is not intended to be financial advice.

More information

Log in to your AA Health Account
Contact us
Make a Claim
Policy Wordings
Prosthesis Schedule
Terms and conditions

^Terms and conditions apply, see here for details.
*5% AA Member discount available when you apply and provide your valid AA Membership number 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.