Sovereign 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 assesses how Sovereign’s policies stack up against the competition in the health insurance market.

Sovereign has now been acquired by AIA Group. If you have an existing Sovereign insurance plan your policy will now be under AIA Insurance. The policies mentioned below are AIA health insurance policies.

What health insurance options does Sovereign offer?

To keep it easy and simple, Sovereign offers three plans to meet individual or family needs. These are; Private Health, Private Health Plus and Cancer Care.

Check out the link below to see how this compares against other insurers.

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What’s covered by Sovereign’s Private Health policy?

Described as its standard health insurance plan, Sovereign’s Private Health Cover policy will cover the costs of private hospital care and surgery, cancer care and supporting diagnostic imaging when required. It also provides options for treatment overseas.

What’s covered by Sovereign’s Private Health Plus policy?

Offering the benefits of its Private Health Cover policy, with additional access to specialist consultations and cover for diagnostic imaging and testing. Sovereign’s Health Plus policy also provides an allowance for routine screening.

What’s covered by Sovereign’s Cancer Care policy?

Cancer Care is specialised health insurance that helps cover costs for cancer diagnosis, treatment, and recovery. Some of the benefits include:

  • $500,000 extensive cover for cancer treatment and recovery
  • Unlimited cancer surgery claims
  • Options to have treatment overseas
  • Access to Pharmac and non-Pharmac Medsafe indicated cancer chemotherapy drugs

What’s not covered by Sovereign’s health insurance 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 Sovereign’s health insurance different?

Sovereign health insurance offers several differentiating features, including cancer cover from diagnosis to treatment and recovery and coverage for medical treatment required overseas. You’ll also get access to AIA Vitality, a science-backed health and wellbeing program and their Enchantment backpass policy, where policy improvements are automatically added to your existing policy. 

About Sovereign 

Sovereign was the country’s largest life insurer, and one of the leading private health insurers. In 2018, Sovereign was acquired by the AIA Group, one of the largest life insurers in the world. AIA has been providing insurance to Kiwis since 1981.

Written by: Andrew Broadley | Last updated: July 25, 2019

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