AA Health Insurance

When faced with serious illness, the cost of medical care can compound an already stressful situation – exactly the reason thousands of New Zealanders invest in health insurance cover. Here, Canstar reviews how AA Health Insurance’s policies stack up against the competition.

What health insurance policies does AA Health Insurance offer?

AA Health Insurance offers three-different health insurance policies:

Everyday
Private Hospital
Private Hospital and Specialist

Check out the link below to see how this compares against other insurers.

Compare Health Insurance with Canstar

What’s covered by AA Health Insurance’s Everyday policy?

It covers day-to-day medical expenses, including: dental, physiotherapy, GP consultations, glasses and contact lenses.

Policy details*:

AA Members 5% off their premiums
From as little as $6.19 per week (including the 5% AA Member discount)
Provides up to $900 worth of cover each year
Reimburses 60% back on eligible claims (up to benefit limit)

What’s covered by AA Health Insurance’s Private Hospital policy?

It covers diagnostics, surgeries and treatment in private hospitals, including: cancer treatments; hospital diagnostics and specialist consultations; non-surgical hospitalisation; parent accommodation; post-hospital home nursing, physiotherapy and therapeutic care; pre-existing cover for newborns; specialist skin lesion surgery; ambulance transfer, etc.

Policy details*:

$300,000 surgical cover per person each year
$200,000 medical and cancer cover per person each year
Choice of $0, $500, $1000, $2000, $4000, $6000 or $10,000 excess
AA Members 5% off their premiums

What’s covered by AA Health Insurance’s Private Hospital and Specialist policy?

For specialist consultations, as well as diagnostics, surgeries and private hospital treatments. Covers everything in Private Hospital cover, plus: CT, MRI and PET scans; diagnostic investigations; follow-up investigation for cancer; GP minor surgery; intravitreal eye injections; obstetrics (for risk factors); specialist consultations, etc.

Policy details:

Specialist consultations
Obstetrics benefit up to $2000 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 5% off their premiums
Your choice of nil, $500, or $1000 excess options

*T&Cs apply

What isn’t covered by AA Health Insurance’s policies?

Similar to other health insurance providers, exclusions vary between each policy and centre largely around eligibility criteria for each level of cover.

What makes AA Health Insurance’s policies different?

As a longstanding New Zealand business, AA Health Insurance leverages on its reputation as a trusted provider that can offer a quick application process. The brand also offers premium discounts for AA members, as well as cover for most pre-existing conditions after a period of three-years.

About AA Health Insurance

AA Health Insurance is a partnership between the NZ Automobile Association and nib nz, which underwrites AA Health Insurance’s products.