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’s policies stack up against the competition.

What health insurance policies does AA Health offer?

AA Health 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.

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What’s covered by AA Health’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 $6.01 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’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’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’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’s policies different?

As a longstanding New Zealand business, AA Health 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

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

AA Health Insurance

Canstar Research
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Written by: Bruce Pitchers | Last updated: August 11, 2021

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