Private health insurance
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01. Quote
Use our quote tool to find out how much it might cost to get yourself covered.
ASB Easy Life and Living
ASB Easy Life and Living gives you financial protection from illness, disability, redundancy and death - and is quick and easy to arrange.
Benefits at a glance
- Convenient to apply for cover over the phone or in your local branch
- A simple application process without the need for detailed information about your health or occupation
- Protect your family with life cover up to $500,000 which can be paid early if a terminal illness is diagnosed that is likely to result in death within 12 months
- A 10% discount for all ASB customers with an ASB home loan
- Loan and Rent Assistance cover can pay up to $4,500 per month if an illness or injury leaves you totally disabled (as defined by your policy) for more than 30 days
- Redundancy cover can pay up to $4,500 per month if you find yourself unable to work due to involuntary redundancy for more than 30 days
Is it right for me?
Whether you live alone or have a family to support, it can be financially devastating to lose your income through redundancy, illness, disability or death. If you want peace of mind that you're protected, and cover that's quick and simple to arrange, then ASB Easy Life and Living could be perfect for you.
Here’s why Easy Life and Living is so easy:
Options to choose from
Life Cover
Receive up to $500,000 if you are diagnosed with a terminal illness (see the policy wording for a definition of terminal illness).
Loan and Rent Assistance Cover
Get up to $4,500 per month if illness or injury leaves you totally disabled for over 30 days, as defined by your policy.
- Receive any payments you are eligible for, for a minimum of 3 months to a maximum of 6 months.
- You do not pay your premium while you are receiving a benefit.
Please note, eligibility criteria apply.
Redundancy Cover
Receive up to $4,500 a month if you are unable to work due to involuntary redundancy for more than 30 days. Only available if you have Loan and Rent Assistance Cover.
- Receive any agreed payments you are eligible for, for 3 months.
- You do not pay your premium while you are receiving a benefit.
Please note, eligibility criteria apply.
You cannot claim for a redundancy that occurs in the first 90 days from your policy’s start date. Involuntary redundancy will not include redundancy where you are self-employed or if your employer is a relative.
Important exclusions:
It's important that you understand the exclusions that apply to Easy Life and Living, including pre-existing medical conditions and certain types of hazardous activity.
A pre-existing condition is any illness, injury or medical condition (or sign or symptom of one) that you were aware of or sought medical advice for in the last five years before the policy started.
See Easy Life and Living exclusions for more information on these and other policy exclusions. Need to see a copy of your Easy Life and Living policy? Call us on 0800 200 252.
ASB and Sovereign - a partnership you can trust
In times of uncertainty, it's important to know who you can trust. And when you're relying on someone to protect you and your family’s financial wellbeing, you want to be sure that they’ll be there when you need them.
Sovereign Assurance Company Limited ("Sovereign"), the underwriter of the insurance cover, has an A+ (Superior) financial strength rating from A.M. Best, an approved rating agency, so you can be confident of receiving the financial support you need when the unexpected happens.
Get started today
02. Apply
It only takes around 15 minutes to apply for Easy Life and Living. Just call 0800 200 252 or visit any ASB branch.
03. Check
Get confirmation that your application has been accepted and your policy is in place.
04. Review
Review your cover at least annually to make sure it still meets your needs.
Apply for Easy Life and Living insurance now
Visit a branch
Visit us at one of our many branches across New Zealand to apply for Easy Life and Living.
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Frequently asked questions
Manage my insurance
ASB life, health and disability insurances are underwritten by Sovereign Assurance Company Limited ("Sovereign"). Sovereign is part of the Commonwealth Bank of Australia Group and is a related company of ASB Bank Limited and its subsidiaries (the "Banking Group"). None of the Banking Group, the Commonwealth Bank of Australia, or any other company in the Commonwealth Bank of Australia Group, or any of their directors, or any other person, guarantees Sovereign or its subsidiaries, or any of the products issued by Sovereign or its subsidiaries. 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. All applications are subject to individual consideration. Special conditions, exclusions or premium loadings may apply. See further information about Sovereign.
