non-PHARMAC Plus

Optional add-on for extra peace of mind

non-PHARMAC Plus

non-PHARMAC funded drugs can be lifesaving, but could possibly cost up to hundreds of thousands of dollars. The non-PHARMAC Plus option can be added to Private Hospital or Private Hospital and Specialist Cover, and helps you cover 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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With non-PHARMAC Plus you will have access to wider treatment options and cover for approved drugs used to treat cancer and other types of health conditions.

  • Four different annual cover levels to suit your needs: $50,000, $100,000, $200,000, or $300,000#
  • Cover for many pre-existing conditions after 3 years**
  • 5% AA Member discount available if you provide a valid AA Membership number for you or someone named on your policy*

non-PHARMAC Plus covers the cost of these drugs, as long as:

  • The treatment is eligible for cover under your Private Hospital or Private Hospital & Specialist Cover and we’ve approved a related claim for treatment.
  • Your registered specialist has recommended them.
  • The non-PHARMAC drugs are used in a private hospital, or at home up to six months after being admitted to hospital for approved and related treatment.

The option also covers any drug administration costs.

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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. 

Frequently asked questions

What is PHARMAC?

PHARMAC is a government agency who are responsible for deciding which drugs are subsidised as part of our public health system.

What is Medsafe?

Medsafe is a business unit of the Ministry of Health. They’re responsible for regulating therapeutic products in New Zealand including medicines, related products, medical devices and controlled drugs.

How do I get this option?

If you’re already an AA Health Insurance customer, and have one of the Private Hospital covers, it’s easy to add the non-PHARMAC Plus option to your existing policy by sending us an email at or calling us on 0800 758 758. If you are a new customer, you can apply online, at an AA Centre or over the phone with our New Zealand based team.

AA Health Insurance Policies

To assist with your day-to-day medical expenses including GP and dentist visits, physio, chiro and osteo, eye exams and eyewear. Add Everyday Cover to your policy or purchase on its own.

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.

Making claims easy

We make the claims process simple so you can focus on recovering while we look after your claim. To make your claim hassle-free, some First Choice network healthcare providers can submit pre-approvals and claims on your behalf. Plus, by choosing a First Choice network healthcare provider, you'll have 100% of your eligible costs covered (up to your benefit limit, subject to any excess payable and in line with your policy terms).

For more information on making a claim, visit our Make a claim page.

Make a Claim

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

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Policy Wordings
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Terms and Conditions

#Cover limits are paid per person per policy year. Policy terms and conditions, exclusions, and benefit limits apply. For more information on non-PHARMAC Plus, see the non-PHARMAC Plus Policy Wording.

**After three years of continuous cover under this option, you will be eligible to claim for non-PHARMAC funded drugs to treat a pre-existing condition that is covered by your policy. Some conditions are never covered. Please refer to the Policy Wording.

*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.