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

Is it right for me?

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.

Quote tool

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
75% 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

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, the world’s largest* insurance company. 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

01. Quote

Use our quote tool to find out how much it might cost to get yourself covered. 

02. Contact

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

03. Apply

We'll talk to you about your requirements and make a recommendation tailored to your needs. Once you've provided everything we need for your application, we'll let you know as soon as possible if it's 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

Enquire online

We'll help with your insurance query.

Ask us now

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.

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Talk to an ASB Insurance Manager

Request an appointment with an ASB Insurance Manager now.

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*AIA Group is the world's largest life insurance company by market capitalisation. Source: Bloomberg 17 June 2019.

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 any ASB Branch. This insurance is underwritten by AIA New Zealand Limited ("AIA").

Health insurance Private health insurance