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 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.

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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.

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.