How do ACC and ASB health insurance work together?

Last Updated: 27 Feb 2017

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.

ASB life, health and disability insurances are underwritten by Sovereign Assurance Company Limited (“Sovereign”). For full details refer to the relevant policy document which is available on request from any ASB branch or by calling 0800 200 252. The availability of insurance cover is subject to your application being approved. Special conditions, exclusions or premium loadings may apply. See further information about Sovereign.

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