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Canstar reviews how AA Health Insurance's policies compare against those of other health insurers in New Zealand.

What health insurance policies does AA Health Insurance offer?

Canstar Health Insurance Award logo 2025


AA Health Insurance is the winner of Canstar's Most Satisfied Customers Health Insurance Award 2025, based on feedback from 1558 private healthcare customers.

AA Health Insurance offers three plans, each providing different levels of cover:

  • Everyday
  • Private Hospital
  • Private Hospital & Specialist

On all plans, a 5% AA Member discount is available when you provide a valid AA Membership number for you or someone named on your policy.

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

The most affordable option, Everyday health insurance cover includes:

  • Dental
  • GP consultations
  • Physiotherapy
  • Glasses and contact lenses

Under the Everyday policy, AA will reimburse you 60% of the cost of the above expenses up to $900 (benefit limits apply).

You can take out Everyday Cover by itself, or in combination with Private Hospital, or Private Hospital and Specialist, to cover both the everyday medical expenses and the bigger stuff too.

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

This covers diagnostics, surgeries and treatment in private hospitals, including:

  • Cancer treatments: $300,000 for surgery, $200,000 for treatment at hospital, $10,000 for treatment at home and non-PHARMAC cancer treatments
  • Hospital diagnostics and specialist consultations, up to $300,000 p.a.
  • Non-surgical hospitalisation, up to $200,000 p.a.
  • Parental accommodation
  • Post-hospital home nursing
  • Physiotherapy and therapeutic care
  • Pre-existing cover for newborns
  • Specialist skin lesion surgery
  • Ambulance transfer
  • Choice of excess options

There is also the option to add non-PHARMAC Plus, which subsidises the cost of non-PHARMAC-funded medication up to $300,000 p.a.

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

Covers everything in Private Hospital cover, plus:

  • Specialist consultations
  • Pre-existing condition cover after three years
  • CT, MRI and PET scans
  • Follow-up investigation for cancer
  • GP minor surgery
  • Intravitreal eye injections
  • Obstetrics (for risk factors)

Also comes with the option to add non-PHARMAC Plus.

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.

For full cover details, check AA Health Insurance's policy documents.

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, which underwrites AA Health Insurance's products.

Check out the link below to see how AA Health Insurance compares against other health insurers.

Bruce Pitchers is Canstar's NZ Editor. An experienced finance reporter, he has three decades’ experience as a journalist and has worked for major media companies in Australia, the UK and NZ, including ACP, Are Media, Bauer Media Group, Fairfax, Pacific Magazines, News Corp and TVNZ. As a freelancer, he has worked for The Australian Financial Review, the NZ Financial Markets Authority and major banks and investment companies on both sides of the Tasman.
In his role at Canstar, he has been a regular commentator in the NZ media, including on the DrivenStuff and One Roof websites, the NZ Herald, Radio NZ, and Newstalk ZB.
Away from Canstar, Bruce creates puzzles for magazines including Woman’s Day and New Idea. He is also the co-author of the murder-mystery puzzle book 5 Minute Murder.


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