It’s hard to predict what health problems you may experience in the future. Not all treatments or costs will be covered by the public health system, and the public health system may not give you control over the timing or quality of the care you receive.
For those without health insurance, surgery waiting lists are a fact of life. If you wanted to hurry things along, the only option would be to pay for private treatment yourself. Would you be able to afford the costs?
The solution is AIA Superior Health Cover.
- AIA Superior Health Cover
Giving you quality health care, when you need it most.
We offer a choice of two health insurance policies that provide cover for surgical and non-surgical private hospital care:
- Superior Health Cover is designed to help you meet the financial costs associated with diagnostic procedures and surgical treatment in a private hospital, with additional benefits such as specialist minor surgery, complications of pregnancy and childbirth, funeral benefit and hospice cover.
- Superior 3 Health Cover has all the benefits of Superior Health Cover, with additional cover for most pre-existing medical conditions once the policy has been in force for three years.
With both covers, you can usually choose the specialist or surgeon, the hospital and the date of treatment. It means you’ll get quality health care that you may otherwise not be able to afford.
A policy fee applies.
Please refer to the relevant policy document for full details of the insurance contract and the terms, conditions, limitations and exclusions that may apply.
- Comprehensive surgical and non-surgical cover
- Also covers diagnostic procedures
- Choice of excess options
- Range of benefits
- Your choice of specialist or surgeon and hospital in most cases
AIA Superior Health Cover provides you with the following benefits:
Surgery in a private hospital
You’ll get reimbursement for some or all of your costs for surgery in a private hospital in New Zealand. These may include surgeon’s and anaesthetist’s fees, theatre fees, post-operative and ancillary charges, high dependency unit charges, nursing fees, prostheses, hospital accommodation, diagnostic procedures, and specialist consultations. Referral from a specialist is required.
Treatment in a private hospital
You’ll also get reimbursement for some or all of your costs for private hospital treatment that doesn’t require surgery. These may include charges for chemotherapy and radiotherapy, prescription drugs listed on the PHARMAC schedule, cardiologist fees and angiography, hospital accommodation, diagnostic procedures, and specialist consultations. Referral from a specialist is required.
In addition, you’re covered for the costs of certain diagnostic procedures recommended by a specialist or general practitioner, for instance CT scans, MRI scans, angiograms, colonoscopy, gastroscopy and laparoscopy.
Cover also includes surgical removal of impacted wisdom teeth by an oral or maxillofacial surgeon. Referral from a GP is required.
Superior Health Cover and Superior 3 Health Cover also has many other benefits, including cover for specialist minor surgery, complications of pregnancy and childbirth, medical misadventure benefit, funeral benefit ($3,500), public hospital cash benefit, hospice cover, home nursing, and an overseas treatment grant.
|Qualifying age*||16 – 65 years for Superior Health Cover
16 – 55 years for Superior 3 Health Cover
|Excess options||Nil, $250, $500, $1,000 or $2,000|
|Cover limit||Maximum of $200,000 for surgical treatments
Maximum of $100,000 for non-surgical treatments
For other benefits, please see the policy document
*Individual consideration will be given to ages outside this range.
At age 42, Greg discovered he had high blood pressure during a routine health check. His GP sent him to a cardiologist for tests and Greg started taking daily medication. He also made some lifestyle adjustments.
But eight months later Greg started to experience angina pains in his chest. His cardiologist sent him for an angiogram (a test that shows blood flow through the heart arteries), which revealed that his best hope for a longer life was coronary bypass surgery.
Over a period of 12 months, Greg’s specialist and surgery bills totalled more than $60,000. Fortunately, he had AIA Superior Health Cover which covered the full cost of his medical bills, less a $500 excess.