Private Hospital and Specialist Cover

Comprehensive care when you need it

Private Hospital and Specialist Cover

Private Hospital and Specialist Cover is our most comprehensive cover, taking care of specialist consultations, diagnostics, surgery, and treatments in recognised private hospitals. Even if you're fit and healthy, it's important to have a plan in place for unexpected medical expenses to help you get access to the right support you when you need it most.

  • Specialist Consultations**
  • Obstetrics Benefit up to $2,000 per pregnancy**
  • Cover for many pre-existing conditions after three years
  • $300,000 surgical cover per person each year
  • $200,000 medical and cancer cover per person each year
  • Your choice of nil, $500, or $1,000 excess options
  • 5% AA Member discount available if you provide a valid AA Membership number for you or someone named on your policy*

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

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#.

With non-PHARMAC Plus, you may have access to wider treatment options and cover for approved drugs used to treat cancer and other types of health conditions.​ 

Find out more

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.

  • Hospital Surgical Benefit

We will pay up to a total maximum of $300,000 for each insured person every policy year, less any excess for any of the surgery related benefits under this cover.

  • Hospital Medical Benefit (non surgical hospitalisation)

We will pay up to a total maximum of $200,000 for each insured person every policy year, less any excess for the non-surgical (non-medical) and cancer related benefits under this cover. Individual limits may apply to each of the benefits.

  • Specialist Consultation Benefit

We will cover all eligible claims for specialist consultations during the cancer treatment phase (chemotherapy, brachytherapy, radiotherapy or surgery) and up to twelve registered specialist consultations for other treatments (including pre- and post- cancer treatment phase) per insured person every policy year.

AA Health Insurance Private Hospital and Specialist Annual Benefit limits
Standalone benefits  
Surgery in a recognised private hospital (Hospital Surgical Benefit) $300,000^
Non-surgical hospitalisation (Hospital Medical Benefit) $200,000^
Included under standalone benefits***  
Cancer treatments $300,000 for cancer surgery; 
$200,000 for cancer treatment (including up to $10,000 for cancer treatment at home)
Diagnostics investigations $15,000
Non-PHARMAC cancer treatment $10,000
Registered specialist skin lesion surgery $6,000
CT, MRI and PET scans $5,000
Intravitreal eye injections $3,000
Travel and accommodation- Cancer Up to $5,000 for travel and accommodation
Travel and accommodation- Surgery or Medical Up to $2,000 for travel and $3,000 for accommodation
Follow-up investigation for cancer $3,000 each year, for up to five years
Parent accommodation $200 per night, up to $3,000
Obstetrics $2,000 for each pregnancy
GP surgery $750
Post-hospital physiotherapy $750
Post-hospital therapeutic care $250
Post-hospital home nursing care $150 per day, up to $6,000
ACC Top Up Covers the difference in costs between what ACC pays for an injury and the costs incurred
ACC Treatment Injury Cover for reparative treatment for any injury that occurs during treatment
Road ambulance transfer Cover for cost of road ambulance transfer from a public or private hospital to the closest private hospital
Oral surgery Cover for oral surgery performed by an oral surgeon / maxilla-facial surgeon, including wisdom teeth extraction.
Specialist consultations Unlimited number for cancer related consultations, up to 12 for others
Varicose veins surgery Cover for varicose vein treatment on recommendation from a GP or registered specialist
Other benefits  
Premium Waiver Up to 2 years
Suspension of cover after one year You may choose to suspend the cover for overseas travel, parental leave and unemployment
Pre-existing cover for newborns Pre-existing conditions are covered when a child is added within 4 months of birth
Loyalty benefit- sterilisation after two years $1,000 (lifetime limit)
Optional add-on
non-PHARMAC Plus
Four different cover levels to suit your needs:

$50,000, $100,000, $200,000 or $300,000^

Apply now

Things you should know

  • Benefit limits and excesses apply per person and refresh each policy year.
  • 100% of your eligible cover amount can be claimed if you select a provider from the nib First Choice Network. You can still choose a provider outside of the network; you will just need to make a 'gap-payment', as these provider rates aren't standardised and regulated through the group.
  • 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.
  • Waiting periods apply before you can access some benefits under your policy. See the above table and Policy Wording for more information.
  • Most pre-existing conditions are covered after a 3 year waiting period. Some pre-existing conditions are never covered. Please check the Policy Wording for full details.
  • We won't change your premiums on an individual basis (unless you change your smoking status), however it's possible for all premiums to increase in the future. We will always give you 30 days' written notice if that happens.
  • For more information on non-PHARMAC Plus, see the non-PHARMAC Plus Policy Wording

AA Health Insurance Policies

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

Covers you for 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#

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

Log in to your AA Health Insurance Account
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Policy Wordings
Prosthesis Schedule
Terms and Conditions

*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.
**Terms, conditions, exclusions and limits apply.

***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).
^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.