How do ACC and ASB health insurance work together?

Last Updated: 08 Jul 2019

ACC is an accident insurance scheme that all New Zealanders have access to. Its role is to provide treatment and rehabilitation services for anyone who suffers an injury as a result of an accident. It does not cover you for anything that ACC does not deem to be an accident.

If your claim is declined by ACC, that’s when ASB health insurance is there – to promptly pay your eligible treatment costs. Your ASB health insurance may cover additional costs to close the gap between a claim payment made by ACC and the actual treatment costs up to reasonable charges as defined in your policy.

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. ASB life, health and disability insurance is underwritten by AIA New Zealand Limited (“AIA”).

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