Private health insurance
Take control of your health with private health insurance.
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 at application
- Life cover paid as a lump-sum, and can be paid early if you are diagnosed with a terminal illness that is likely to result in death within 12 months.
- 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?
ASB Easy Life and Living may be suitable for you if you have relatively simple protection needs including:
- paying off debt in the event of death
- Helping to cover short-term debt and rent commitments should you lose your income due to disability resulting from illness, injury or redundancy.
As ASB Easy Life and Living includes a pre-existing condition exclusions, it will not provide you with coverage for your existing or past medical conditions.
Please refer to the policy wordings or the ASB Easy Life and Living Exclusions Brochure for more details.
Options to choose from
Life Benefit
Receive a lump sum payment if you die or are diagnosed with a terminal illness (see the policy wording for a definition of terminal illness).
Loan and Rent Assistance Benefit
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 benefit payments you are eligible for, for a minimum 3 month payment to a maximum of 6 months.
- You do not pay your premium while you are receiving a benefit.
Redundancy Benefit
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 benefit payments you are are eligible for, for 3 months.
- You do not pay your premium while you are receiving a benefit.
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.
Please note, eligibility criteria apply.
Important exclusions:
It's important that you understand the exclusions that apply to ASB Easy Life and Living, including pre-existing medical conditions and certain types of hazardous activity.
Generally, a pre-existing condition includes 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 ASB Easy Life and Living policy? View the policy document here or 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's a simple to apply for ASB Easy Life and Living. Just call us on 0800 200 252 or visit an 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 ASB Easy Life and Living insurance now
Visit a branch
Visit us at one of our many branches across New Zealand to apply for ASB Easy Life and Living.
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Frequently asked questions
Manage my insurance
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 any ASB branch. Life, health and disability insurance is underwritten by Sovereign Assurance Company Limited ("Sovereign"). None of ASB Bank Limited or its subsidiaries, 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.
