Compare Policies
Which AA Health Insurance policy is right for you?
Compare policies from one of NZ's trusted health insurance brands.
Working out which health insurance policy is right for you might seem intimidating at first. To help with that, here's a summary of AA Health Insurance policies in one place so you can compare and contrast the features and benefits for your situation.
Remember that this is only a summary, so don't forget to read the relevant Policy Wording to be confident in knowing what you are or aren't covered for.
|
Benefits | |
|---|---|
|
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 |
|
Benefits | ||
|---|---|---|
|
ACC Top Up Benefit3 |
Up to Surgical/Non-Surgical Benefit |
Up to Surgical/Non-Surgical Benefit |
|
ACC Treatment Injury Benefit3 |
Up to Surgical/Non-Surgical Benefit |
Up to Surgical/Non-Surgical Benefit |
|
Cancer Treatment3 |
In Hospital: up to Non-Surgical Benefit At home: $10,000 |
In Hospital: up to Non-Surgical Benefit At home: $10,000 |
|
CT, MRI and PET scans3 |
N/A |
If related to hospital admission, up to Surgical/Non-Surgical Benefit If not related to hospital admission, up to $5,000 |
|
Diagnostic Tests3 |
Up to Surgical/Non-Surgical Benefit Must relate to and be within 6 months before/after surgery or treatment |
If related to hospital admission, up to Surgical/Non-Surgical Benefit If not related to hospital admission, up to $15,000 |
|
Eye injections |
N/A |
$3,000 |
|
GP Surgery Benefit3 |
N/A |
$750 Includes 1 pre and 1 post consultation and related biopsies |
|
High-risk pregnancy |
N/A |
$2,000 per pregnancy For monitoring recognised risk factors only |
|
Non-Surgical Benefit |
$200,000 |
$200,000 |
|
Non-PHARMAC Cancer Treatment3 |
$10,000 |
$10,000 |
|
Parent accommodation3 |
$200 per night, up to $3,000 |
$200 per night, up to $3,000 |
|
Home care3 |
$150 per day, $6,000 per year Must relate to and be within 6 months after hospital discharge |
$150 per day, $6,000 per year Must relate to and be within 6 months after hospital discharge |
|
Therapeutic care3 |
$250 Must relate to and be within 6 months after hospital discharge |
$250 Must relate to and be within 6 months after hospital discharge |
|
Pre-existing cover |
Many pre-existing conditions covered after 3 years of continuous cover Cardiovascular, cancer, hip or knee, back, transplant surgery and reconstructive or reparative surgery will never be covered Permanent exclusion doesn’t apply to cancer if it is pre-malignant and has been appropriately treated by a GP or specialist who is suitably qualified to carry out that treatment |
Many pre-existing conditions covered after 3 years of continuous cover Cardiovascular, cancer, hip or knee, back, transplant surgery and reconstructive or reparative surgery will never be covered Permanent exclusion doesn’t apply to cancer if it is pre-malignant and has been appropriately treated by a GP or specialist who is suitably qualified to carry out that treatment |
|
Skin lesion surgery3 |
$6,000 Surgery as well as related biopsies by specialist or other health professional |
$6,000 Surgery by a specialist |
|
Ambulance transfer3 |
Up to Surgical/ non-Surgical limit From public/private to closest private hospital |
Up to Surgical/ non-Surgical limit From public/private to closest private hospital |
|
Surgery in a private hospital |
$300,000 Includes oral surgery, mohs surgery and varicose vein treatment Includes extraction of unerupted or impacted teeth after a 12-month waiting period |
$300,000 Includes oral surgery, mohs surgery and varicose vein treatment Includes extraction of unerupted or impacted teeth after a 12-month waiting period |
|
Suspension of cover after 1 year |
Unemployment, redundancy, parental leave, or overseas travel or residence |
Unemployment, redundancy, parental leave, or overseas travel or residence |
|
Travel and accommodation |
Accommodation Up to $300 per night Travel Surgery/ medical treatment: Up to $3,000 Cancer treatment: Up to the Surgical/Non-Surgical Benefit |
Accommodation Up to $300 per night Travel Surgery/ medical treatment: Up to $3,000 Cancer treatment: Up to the Surgical/Non-Surgical Benefit |
|
Follow up investigation for cancer3 |
$3,000 |
$3,000 |
|
Specialist consultations3 |
Up to Surgical/Non-Surgical Benefit Must relate to and be within 6 months before/after being admitted to private hospital for surgery or treatment |
Up to Surgical/Non-Surgical Benefit Doesn’t need to relate to hospitalisation |
|
Sterilisation after 2 years |
N/A |
$1,000 per lifetime |
|
Waiver of premium |
N/A |
Premiums waived for 2 years or until surviving insured person turns 70 |
|
Optional Non-PHARMAC Plus Option4 |
Four different annual cover levels to suit your needs: $50,000, $100,000, $200,000, or $300,000 |
Four different annual cover levels to suit your needs: $50,000, $100,000, $200,000, or $300,000 |