Private health insurance

ASB Private Health Cover and 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

  • Cover for surgery and hospitalisation up to $300,000 per year
  • Flexible overseas treatment options are available, like treatment in Australia
  • Additional cover for pregnancy, maternity and infertility after three years of continuous cover (Private Health Plus only)
  • Get a comprehensive cancer care benefit, which includes non-Pharmac subsidised chemotherapy drugs
  • Cover for major diagnostic imaging tests up to $100,000
  • Additional cover for specialist consultations, and diagnostic and tests (Private Health Plus only)

Is it right for me?

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

To qualify, the policy owner must be over 16 years old. There are no other minimum or maximum age restrictions; family members under 21 can be added as children with continuation options available after they've turned 21.

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’s Private Health Cover and 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.

What you're covered for

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

ASB Private Health Cover key features


(including specialist consultations, imaging and tests)

$300,000 per year
Cancer care
$300,000 per year
Medical hospitalisation
$300,000 per year
Major diagnostics and tests
$100,000 per year
Treatment in Australia
Applicable benefit maximums apply
Treatment overseas where treatment isn’t available in New Zealand
$30,000 per year

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
$750 per year after three years
Health screening allowance
$500 every three years, after an initial waiting period of three years

Refer to the ASB Private Health brochure for more information.

ASB and Sovereign - a partnership you can trust

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.

Sovereign Assurance Company Limited (“Sovereign”), the underwriter of the insurance cover, has an A+ (Superior) rating from A.M. Best, an approved rating agency, so you can be confident of receiving the financial support you need when the unexpected happens.

View Sovereign's financial strength rating.

Get started today

01. Contact

Call 0800 200 252 or find an ASB Insurance Manager and make an appointment.

02. Meet

Talk to an ASB Insurance Manager about your requirements and get a recommendation tailored to your needs.

03. Apply

Provide the information we need for your application. We’ll let you know as soon as possible if your application has been accepted.

04. Review

Review your insurance cover regularly to ensure it still fits – especially if you’ve had a big life change.

Contact us

Talk to an ASB Insurance Manager

Request an appointment with an ASB Insurance Manager now.

Find an expert

Call us

We'll arrange an appointment with an ASB Insurance Manager.

0800 200 252

Visit a branch

Visit us at one of our many branches across New Zealand to book an appointment with an ASB Insurance Manager.

Find a branch

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ASB life, health and disability insurances are underwritten by Sovereign Assurance Company Limited (“Sovereign”). For full details refer to the relevant policy document which is available on request from any ASB branch or by calling 0800 200 252. The availability of insurance cover is subject to your application being approved. Special conditions, exclusions or premium loadings may apply. See further information about Sovereign.

Health insurance Private health insurance