With ASB health insurance, what happens if I get treatment in the public health system instead?
If you hold an ASB Private Health, ASB Private Health Plus or ASB Cancer Care policy and received a publicly funded treatment or procedure in a public hospital that otherwise would have been covered by your policy, AIA will credit your policy with the amount of the annual premium which relates to the person who used the public system (provided the treatment required at least two nights stay in hospital).
ASB Private Health, ASB Private Health Plus and ASB Cancer Care policies also have a Public Hospital Cancer Treatment Cash Benefit. If you had treatment for cancer in a public hospital that otherwise would have been covered by your policy, a one-off cash benefit of up to $5,000 will be paid to the policy owner. Treatment includes cancer surgery requiring an overnight stay in a public hospital or a course of chemotherapy and/or radiotherapy.
Please note: the above benefits are subject to policy wording and do not apply to ASB MajorCare policies or ASB Absolute Health policies.
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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