Private Health

AIA’s Private Health and Private Health Plus cover lets you choose the excess that best suits your needs. The higher the excess the lower your premium. If an excess is payable you will only pay it once per life assured per policy year and not for every claim, and some benefits do not have an excess at all.

When your medical invoices have been received, AIA will pay the providers, less any excess. The treatment provider will usually invoice you for the excess after payment is received from AIA.

Key benefits of AIA Private Health:

• No annual limit on the amount you can claim for surgeries
• $500,000 extensive cancer cover for every stage, from diagnosis, to treatment and recovery
• Up to $200,000 for major diagnostic imaging and testing
• Other benefits such as:
  • Overseas treatment
  • Mental health support
  • Parent accommodation
  • Obstetric care allowance
  • Parents grieving benefit
  • Public hospital cash grant
  • Waiver of premium
  • Health screening
  • Reproductive health

In New Zealand medical and health insurance is essentially the same. Products will differ between insurance providers. They may have different benefits and limits in their policies. It is important to understand what those differences are.

Please contact your insurance adviser or request an adviser call to discuss your needs. 

• Speak to an insurance adviser to guide you through your questions and help you decide what cover you need.
• Consider your personal situation and your ability to pay for expensive medical costs and surgery.
• Many health issues that Kiwis face are either not accidental or can mean delayed treatment due to long waiting lists and can cost thousands of dollars. Health insurance removes the worry around unexpected medical bills so you can focus on getting the right treatment and start your recovery sooner.
• Know what the policy covers and what it does not cover. Most policies have limitations and exclusions. For example, pre-existing conditions may not be covered.
• Know what the definitions in the policy mean. These can differ depending on the insurance company that provides your cover.

The questions you could ask when considering your health insurance options are:

• What benefits the policy provides and what limitations apply to those conditions
• What is not covered under the policy (aka policy exclusions)
• What your excess options are and how those affect your premium
• How pre-existing conditions are treated and how those may affect your policy and premium. You must disclose all pre-existing conditions to the insurance provider.