Business life and disability protection
Insurance that financially protects your business and team from the effects of illness, injury and death.
ASB Private Health Insurance
ASB Private Health and ASB Private Health Plus enable 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
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Unlimited surgical benefit, subject to reasonable charges.
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Flexible overseas treatment options.
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Cover for major diagnostic imaging tests up to $200,000.
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Cover for hospitalisation up to $500,000 per year.
Understanding ASB Private 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 publicly funded health care in New Zealand, for example as a New Zealand citizen or resident, or as the holder of an eligible work or 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 options are available - ASB Private Health and ASB Private Health Plus. ASB Private Health Plus offers additional features and can be added as an optional benefit to ASB Private Health.
ASB Private Health key features
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Cover
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|---|---|
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Surgery
(including specialist consultations, imaging and tests) |
Unlimited
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Cancer care
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$500,000 per year
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Medical hospitalisation
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$500,000 per year
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Major diagnostics and tests
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$200,000 per year
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Treatment in Australia
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100% of the reasonable charges payable in New Zealand , subject to any applicable maximum cover amounts for the applicable benefit
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Treatment worldwide - beyond New Zealand and Australia
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85% of the reasonable charges payable in New Zealand , subject to any applicable maximum cover amounts for the applicable benefit
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Treatment overseas where treatment isn't available in New Zealand
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$30,000 per year
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Treatment worldwide where the waiting period in New Zealand is greater than six months
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100% of the reasonable charges payable in New Zealand, subject to any applicable maximum cover amounts for the applicable benefit
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Refer to the ASB Health Insurance brochure for more information.
ASB Private Health Plus additional features
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Cover
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Specialist consultations
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$10,000 per year
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Diagnostic imaging and tests
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$100,000 per year
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Pregnancy, maternity and infertility allowance
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$1,500 per year after two years
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Health screening allowance
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$500 every three years, after an initial waiting period of three years or $750 every three years for eligible AIA Vitality members.
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Refer to the ASB Health Insurance 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 financial wellbeing, you can trust ASB and AIA to be there for you.
ASB has partnered with AIA, New Zealand's largest life insurance company*, to provide your insurance cover. AIA is the underwriter and is responsible for the management of your policy and payment of any claims.
AIA has been a trusted partner of ASB since 2018, helping thousands of customers put the right protection in place. AIA’s range of life, health, and disability insurance options are designed to provide peace of mind and financial security when life takes an unexpected turn. ASB’s Insurance Managers are here to guide you in choosing the cover that best suits your needs.
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.
Call us on 0800 200 252 between 8:00am - 6:30pm Monday to Friday. 8:30am - 5:00pm Saturday.
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Frequently asked questions
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*By market share. Source: Financial Services Council (March 2025)
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 and administered by AIA New Zealand Limited and distributed through ASB Bank Limited.