Everyday Cover

Affordable cover for day-to-day medical expenses

Everyday Cover

Everyday Cover helps with day-to-day medical expenses like dental, GP and prescriptions, physiotherapy, chiropractic, osteopathic consultations, and eye care, so you can focus on maintaining your health. Everyday Cover is a simple insurance policy that:

  • Starts from as little as $6.54 per week^
  • Provides up to $900 worth of cover each year**
  • Reimburses 60% back on eligible claims#
  • 5% AA Member discount available if you provide a valid AA Membership number for you or someone named on your policy*

You can take out Everyday Cover by itself, or a combination of Everyday and Private Hospital or Private Hospital and Specialist to cover both the everyday medical expenses and the bigger stuff too.

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.

Get a quote

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.

Everyday Cover
Annual Benefit limits 
Cover and waiting period

Dental Benefit

60% of your costs, up to $450 per year

Cover for general and preventative treatments after two months continuous cover

Major dental or orthodontic treatment after 12 months of continuous cover

GP and Prescriptions Benefit

60% of your costs, up to $150 per year

Cover for GP and nurse practitioner consultations and prescriptions after 2 months of continuous cover

Eye Care Benefit

60% of your costs, up to $200 per year 

Cover for eye exams and prescription glasses or contact lenses after 6 months of continuous cover

General Treatment Benefit

60% of your costs, up to $100 per year 

Cover for consultations and treatment by physio, chiro and osteo after 2 months of continuous cover

Things you should know

  • Everyday Cover is designed to cover every-day medical expenses like dental, GP, physiotherapy, chiropractic and osteopathic treatment, as well as eye exams and eyewear. Everyday doesn't cover private hospital or specialist related expenses.
  • 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, provided that you haven't made any claims.
  • Waiting periods apply for each of the benefits under your policy. See the above table and Policy Wording for more information.
  • Premiums are based on the age 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 there are any changes on your premiums.
  • Cover for eligible conditions once waiting periods have been served.

Apply now

AA Health Insurance Policies

Covers you for the bigger stuff, like diagnostics, surgery, and specific treatments in a private hospital, with higher excess and lower premium policy options. 

Covers you for all the things included in Private Hospital Cover, as well as additional benefits such as specialist consultations and diagnostic tests even when you don’t end up needing surgery.

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

^AA Health Insurance Everyday Cover starts from $6.54 per week (including the 5% AA Member discount).
**Terms and conditions, exclusions and limits apply Everyday Cover policy 
#When you make a claim, we'll refund 60% of your eligible costs, up to the benefit maximum. Benefit maximums are for each insured person every policy year, unless stated otherwise. Benefit maximums refresh each policy year. 
*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.