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

  • Unlimited surgical benefit, subject to reasonable charges
  • Flexible overseas treatment options
  • Cover for major diagnostic imaging tests up to $100,000
  • Cover for hospitalisation up to $300,000 per year

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.

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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)

Cancer care
$300,000 per year
Medical hospitalisation
$300,000 per year
Major diagnostics and tests
$100,000 per year
Voluntary treatment in Australia
Up to 100% of reasonable charges for treatment payable in New Zealand, as defined in your policy
Voluntary treatment worldwide - beyond New Zealand and Australia
Up to 75% of reasonable charges for treatment payable in New Zealand, as defined by your policy
Voluntary 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 for treatment payable in New Zealand

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
$10,000 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) financial strength 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. 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 will 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.

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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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The availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions or premium 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. Life, health and disability insurance is underwritten by Sovereign Assurance Company Limited ("Sovereign"). None of ASB Bank Limited or its subsidiaries, the Commonwealth Bank of Australia, or any other company in the Commonwealth Bank of Australia Group, or any of their directors, or any other person, guarantees Sovereign or its subsidiaries, or any of the products issued by Sovereign or its subsidiaries.

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