nib Health Insurance

nib is one of New Zealand's largest health insurers. At nib they offer a range of health insurance options for you & your family.

What is health insurance?

This is one of the most simple but important types of insurance you can have. It protects your loved ones futures by providing you with payments if you fall unwell.

Why do I need it?

Could your family take time off work and look after your bills if you’re terminally ill? Health insurance is your way of looking after your loved ones when you’re unwell.

Personalise your nib health insurance

Different family members on the same policy can have different Base Covers, Excesses and Additional Options.
It means your family health insurance is right for each family member. Importantly it also means you only pay for what the family needs and overall costs are reduced, sometimes significantly.

Additional options with nib health insurance

Specialist Option
GP Option
Dental & Optical Option
Serious Condition Financial Support Option
Proactive Health Option

Find out more.

nib HEALTH INSURANCE FEATURES

Protection for all the family

Need protection only for yourself? Or does your partner, children and extended family also need protection? Ultimate Health Max and Ultimate Health policies can include the whole family: husband and/or wife, partner, children, parents, grandchildren and grandparents. You can also add family members after the policy commences (e.g. on the birth of a child - there’s even a benefit for newborns), or you can take out a policy just for your children, or grandchildren.

Cover that meets everyone’s needs

The foundation of your health insurance cover is the Ultimate Health Max or the Ultimate Health Base Cover. The Base Cover provides protection for many of the big expenses like surgery and medical and cancer treatment in a private hospital. Options enhance the Base Cover. They cover different types of health services and provide extra levels of flexibility and protection. The policies are flexible. Everyone on your policy can have a different base cover, excess and options. No matter how many people are on your policy, everyone can get the cover they require.

Certainty and clarity

Ultimate Health Max and Ultimate Health policies are underwritten at the time of application, which means you disclose your medical history upfront and get certainty about what you are covered for. Your Money Compare appointed financial adviser can help you identify and prioritise your health protection needs. Financial advisers are experienced specialists, understand health insurance and offer expert knowledge.