Health Insurance


At nib, Health Comes First and we believe that health insurance should be easy to understand, easy to claim on and most of all good value. When you take out insurance with nib, you'll join thousands of Kiwis who we help stay healthy, every day.

nib has over 65 years' experience in providing health insurance and now cover over 1.5 million people here and across the Tasman. In New Zealand during 2019, we paid over $500,000 in claims every working day.

nib offers the following products on

Ultimate Health Max and Ultimate Health

Ultimate Health Max and Ultimate Health offer choice, certainty of cover terms and flexibility. They cover treatment for a range of serious medical conditions as well as treatment for many of the more common, everyday health problems you might experience. Without private health insurance, the costs of these treatments and the associated consultations and scans can be substantial.

To learn more, click here.

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nib also offers the following product. This product is not as easily comparable to other insurers products as those above, but you can still purchase them through LifeDirect. Get in touch to find out more.

Easy Health

A big advantage of Easy Health is that it covers many pre-existing conditions after a period of three years. This can be important if you have had health issues in the past as they may be able to be covered in the future.

To learn more, click here.

If you would like to find out more about nib and its products get in touch.

Non-PHARMAC Plus option

With nib's non-PHARMAC Plus option, nib members can add cover for non-PHARMAC drugs to their new and existing policies that don't already have it, or increase the amount of cover for policies that already include non-PHARMAC cover.

The non-PHARMAC Plus add-on covers the cost of Medsafe-approved drugs that are not on PHARMAC's Pharmaceutical Schedule of funded medications. These include treatments for cancer and other types of health conditions, in hospital or at home.

non-PHARMAC Plus is available to all new nib members and all existing nib members apart from Ultimate Health. New nib clients can add non-PHARMAC Plus on to Easy Health or Ultimate Health Max by contacting us. Clients who have an existing Ultimate Health policy need to upgrade to Ultimate Health Max before adding non-PHARMAC Plus.

Nib members can choose from the following levels of cover to suit their budget:

  • $20,000
  • $50,000
  • $100,000
  • $200,000
  • $300,000

This means that nib members with Ultimate Health Max can choose to have up to $900,000 in non-PHARMAC cover.

Member benefits and discounts

  • Specsavers - 25% off the total price of a pair of glasses and lens option. FREE OCT scan. Offer available as at April 2020 but is subject to change.
  • Complimentary mental health cover
    • $2,500 annual limit per person, per policy year for registered psychologist and/or psychiatrist consultations, with an approved GP referral.
    • Does not need to be linked to a current or prior hospital related claim.
    • No excess or stand-down period.

my nib makes health insurance easier

It's simple to register and lets you:

  • Claim online for treatment like GP, dental, optical and specialist consultations
  • Track your claims
  • View policy details

Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.

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