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
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

Covers you for day-to-day medical expenses. Add Everyday Cover 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 your specialist consultations, diagnostics, surgery, and treatments in a recognised private hospital, with low excess policy options.

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#

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

^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.