Private health insurance

ASB Private Health and ASB Private Health Plus enables you to take control of your health. Medical conditions can be treated promptly, at a convenient time and location, and with your choice of medical provider.

Benefits at a glance

  • Unlimited surgical benefit, subject to reasonable charges.

  • Flexible overseas treatment options.

  • Cover for major diagnostic imaging tests up to $200,000.

  • Cover for hospitalisation up to $500,000 per year.

Understanding health insurance

ASB Private Health provides the peace of mind of knowing that you and your family can get prompt attention from your chosen medical provider. 

Each person on the policy must be eligible for public health care in New Zealand as a New Zealand citizen, resident, holder of a two year or more work visa or hold a student visa.

How it works

The New Zealand public health system provides quality care for emergency and serious medical conditions. However, diagnosis and treatment for non-urgent conditions can be limited, with patients in the public system often waiting longer than private patients to get treatment.

ASB Private Health and ASB Private Health Plus have been designed to provide cover options for the significant costs of hospitalisation and surgery that many New Zealanders face during their lives.

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What you're covered for

Two types of cover are available – ASB Private Health and ASB Private Health Plus. ASB Private Health Plus covers the same as ASB Private Health, as well as offering additional features.

ASB Private Health key features


(including specialist consultations, imaging and tests)

Cancer care
$500,000 per year
Medical hospitalisation
$500,000 per year
Major diagnostics and tests
$200,000 per year
Treatment in Australia
100% of the reasonable charges payable in New Zealand , subject to any applicable maximum cover amounts for the applicable benefit
Treatment worldwide - beyond New Zealand and Australia
85% of the reasonable charges payable in New Zealand , subject to any applicable maximum cover amounts for the applicable benefit
Treatment overseas where treatment isn't available in New Zealand
$30,000 per year
Treatment worldwide where the waiting period in New Zealand is greater than six months
100% of the reasonable charges payable in New Zealand, subject to any applicable maximum cover amounts for the applicable benefit

Refer to the ASB Private Health brochure for more information.

ASB Private Health Plus additional features

Specialist consultations
$10,000 per year
Diagnostic imaging and tests
$100,000 per year
Pregnancy, maternity and infertility allowance
$1,500 per year after two years
Health screening allowance
$500 every three years, after an initial waiting period of three years or $750 every three years for eligible AIA Vitality members.

Refer to the ASB Private Health brochure for more information.

ASB and AIA - a partnership you can trust

Partnership is all about trust. When it comes to protecting you and your family's financial wellbeing, you can trust ASB and AIA to be there for you. ASB has helped thousands of New Zealanders protect themselves over the years. Our ASB Insurance Managers and frontline teams make life, loan, health, and income protection insurance easy. It's about keeping you one step ahead, by making sure difficult and even heart-breaking situations don't turn into financial setbacks as well. We've now partnered with AIA - as our underwriter, they stand behind all our policies.

In times of uncertainty, it's important to know who you can trust. And when you're relying on someone to protect you and your family's financial wellbeing, you want to be sure that they'll be there when you need them.

All licensed insurance providers are required to have a financial strength rating from an approved rating agency. You can find details of AIA's current rating and rating agency at www.aia.co.nz, or at any office of AIA New Zealand Limited.
View AIA's financial strength rating.

Find out more about the relationship between ASB and AIA.

Get started today

Talk to one of our specialists who can help you put together a health insurance plan that will best suit you and your situation.

Get in touch through our online enquiry form and we'll call you back at a time that suits you.

Enquire now

Call us on 0800 200 252 between 8:00am - 6:30pm Monday to Friday. 8:30am - 5:00pm Saturday.

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The availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions or premiums loadings may apply. An excess may apply for health insurance policies. For full details refer to the policy document which is available on request from ASB Bank Limited. This insurance is underwritten by AIA New Zealand Limited ("AIA").

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