With ASB health insurance, what happens if I get treatment in the public health system instead?

Last Updated: 20 Sep 2016

If you decide to use the public system and the treatment received would have otherwise been covered under your policy, we will credit your policy with the amount of the annual premium which relates to the person who used the public system (provided the treatment requires at least two nights’ stay in hospital).

Please note: this does not apply to ASB MajorCare policies or ASB Absolute Health policies.


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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