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^EverydayPrivate HospitalPrivate Hospital and Specialist
Dental ✔    
Physiotherapy ✔    
GP consultations ✔    
Glasses and contact lenses ✔    
ACC top up   ✔ ✔
ACC treatment injury   ✔ ✔
Cancer treatments   ✔ ✔
Hospital diagnostics   ✔ ✔
Hospital specialist consultations   ✔ ✔
Non-PHARMAC cancer treatment   ✔ ✔
Non-surgical hospitalisation   ✔ ✔
Oral surgery   ✔ ✔
Parent accommodation   ✔ ✔
Post-hospital home nursing care   ✔ ✔
Post-hospital physiotherapy   ✔ ✔
Post-hospital therapeutic care   ✔ ✔
Pre-existing cover for newborns   ✔ ✔
Registered specialist skin lesion surgery   ✔ ✔
Road ambulance transfer   ✔ ✔
Surgery in a recognised private hospital   ✔ ✔
Suspension of cover after 1 year   ✔ ✔
Travel and accommodation   ✔ ✔
Varicose veins surgery   ✔ ✔
CT, MRI and PET scans     ✔
Diagnostic investigations     ✔
Follow up investigation for cancer     ✔
GP minor surgery     ✔
Intravitreal eye injections     ✔
Obstetrics (for risk factors)     ✔
Specialist consultations     ✔
Sterilisation after 2 years     ✔
Waiver of premium     ✔
Optional non-PHARMAC Plus add-on   ✔ ✔

AA Health Insurance Policies

Everyday

Covers you for day-to-day medical expenses. Add Everyday Cover to your policy or purchase on its own.

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Private Hospital

Covers you for diagnostics, surgery, and treatments in a recognised private hospital, with high excess, low premium policy options.

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Private Hospital & Specialist

Covers your specialist consultations, diagnostics, surgery, and treatments in a recognised private hospital, with low excess policy options.

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non-PHARMAC Plus

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#. 

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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
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Policy Wordings
Prosthesis Schedule
Terms and conditions

^Any costs paid under these benefits for the Private Hospital policies are deducted from the balance available in the benefit maximum for Hospital Surgical Benefit or Hospital Medical Benefit (whichever applies) in 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.