Everyday Cover

Affordable cover for day-to-day medical expenses

Everyday Cover

Everyday Cover helps with day-to-day medical expenses like dental, GP consultations, physio and optical, 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.

AA Health Insurance Everyday
Annual Benefit limits
Standard waiting period
Dental $450 2 months
GP Consultations $150 2 months
Physiotherapy $100 2 months
Glasses and contact lenses $200 6 months

Things you should know

  • Everyday Cover is designed to cover every-day medical expenses like Dental, GP, Physiotherapy and Glasses and contact lenses. 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.
  • We won't increase your premiums on an individual basis, however 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.
  • Cover for eligible conditions once waiting periods have been served.

Apply now

AA Health Insurance Policies

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.

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.
#When you make a claim, we'll refund 60% of your eligible costs (up to your benefit limit).
*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.