The benefits of private health insurance

None of us wants to fall ill, but it’s a fact of life that it happens from time to time. If you or a family member were to become unwell, perhaps seriously, wouldn’t you want timely access to quality medical care, when and where it suits you? Private health insurance can help to give you that confidence. Here’s some information about the many benefits that insuring your health can provide.

When choosing health insurance, it’s worth bearing in mind that the levels of cover can differ from insurer to insurer. What may look like a bargain policy, on closer examination may not provide the level of cover that you need – so always read the small print and find out exactly what the policy covers.

For example: ASB Private Health gives you access to private treatment cover from your choice of medical provider, including:

• Unlimited cover for surgery, including related specialist consultations and diagnostic tests six months either side of surgery.
• Cancer care benefit - a comprehensive cancer care benefit, which includes non-Pharmac subsidised chemotherapy drugs.
• Flexible overseas treatment options
• Cover for your children - if you add your children before they are three months old, no health information is needed.
• Public hospital credit - we will credit your policy with the amount of the annual premium which relates to the person who used the public system, provided the treatment is for a condition covered by your policy and requires at least two nights' stay in hospital.

ASB Private Health Plus gives you all the benefits of ASB Private Health, plus:

• Wider access to specialist consultations, diagnostic imaging and tests.
• Access to routine health screening allowance every three years after three years of continuous cover.
• Pregnancy, maternity and infertility allowance to cover related costs after three years of continuous cover.

ASB Cancer Care gives you cover that takes care of medical expenses associated with cancer, including diagnosis, treatment and recovery:

• Unlimited cover for cancer surgery, including related specialist consultations and diagnostic tests twelve months either side of surgery. 
• Flexible overseas treatment options. 
• Cancer treatment benefit to cover other cancer treatments, including non-Pharmac subsidised chemotherapy and immunotherapy drugs.

You’ll find more information on the available health insurance options in our brochure.