Private Hospital and Specialist Cover

Comprehensive care when you need it

Private Hospital and Specialist Cover

AA Health Insurance 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
  • AA Members can save 5% on all AA Health Insurance premiums*
  • Your choice of nil, $500, or $1,000 excess options

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

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)

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.


AA Health Insurance Policies

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

AA Health Private Hospital covers you for diagnostics, surgery, and treatments in a recognised private hospital, with high excess, low premium policy options.

Making claims easy

We make the claims process simple so you can focus on recovering while we look after your claim. By choosing a specialist from the nib First Choice Network, you will have 100% of your eligible costs covered (up to your benefit limit and in line with your policy). Plus, many health partners can also take care of the paperwork for you.

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

Make a Claim

Our insurance partner

AA Health Insurance is a partnership between The New Zealand Automobile Association Incorporated (AA) and nib nz. nib nz underwrites AA Health Insurance's products.

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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Make a Claim
Policy Wordings
Prosthesis Schedule
Terms and Conditions

*5% AA Member discount available if you provide a valid AA Membership number for you or someone named on your policy on application. 
**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) in each policy year.