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How do ACC and ASB Private Health insurance work together?

Last Updated: 15 May 2026

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, your ASB Private Health insurance may cover your eligible treatment costs as specified in your policy. If your claim is accepted by ACC, your policy may still cover additional care not funded by ACC, providing extra support where needed.

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 ASB Bank Limited. ASB life, health and disability insurance is underwritten and administered by AIA New Zealand Limited and distributed through ASB Bank Limited.


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