KiwiCover Health Insurance

KiwiCover, proudly born and bred in the heart of New Zealand, will always put your health first.

With a deep understanding of the unique needs of Kiwis, this homegrown insurance provider is dedicated to securing the well-being of individuals and families across the nation.

Caring for the health of New Zealanders

They believe that good health is the cornerstone of a happy and fulfilling life.

With this belief firmly ingrained in their ethos, they strive to empower every New Zealander with the protection they need to lead healthy and care-free lives.

They understand that health uncertainties can arise unexpectedly, and they’re there to ensure that you and your loved ones are prepared for any challenges that may come your way.

Putting you first, every step of the way

Their commitment to your health and well-being goes beyond just providing insurance coverage.

They value you as an individual and are dedicated to delivering personalised care and support throughout your journey.

From the moment you join the KiwiCover family, they’re by your side, ensuring that you have access to the best healthcare options and the peace of mind that comes with comprehensive coverage.

Simple, transparent, and accessible

They believe that health insurance should be simple and accessible to all.

With them, you can expect a straightforward and transparent approach that makes it easy for you to understand your coverage and benefits.

Their user-friendly online platform allows you to manage your policy effortlessly, access important information, and seek assistance whenever you need it.

They know that your time is valuable, and they strive to make your experience with them as effortless and efficient as possible.

A tailored approach to health insurance

Every individual and family has unique health needs, and they recognise the importance of personalised solutions.

KiwiCover offers a range of health insurance plans designed to cater to diverse requirements, ensuring that you find the coverage that best suits your lifestyle and budget.

Whether you’re seeking comprehensive coverage for your entire family or looking for a plan that focuses on specific areas of health they can provide it.

Advocating community health

As a homegrown Kiwi company, they’re deeply invested in the well-being of their communities.

They actively support initiatives and organisations that promote health and wellness.

By partnering with local healthcare providers and community groups, they strive to make a positive impact and contribute to the betterment of society as a whole.

KiwiCover health insurance empowers you to take control of your health and receive timely medical treatment from your preferred healthcare providers.

By offering a range of plans and products, as well as attractive discounts and promotions, they stand out as a trusted provider in the industry.

AIA Private Health

• Allows access to private medical care at your preferred time and location
• Reimbursement for covered medical expenses or pre-approval for covered expenses to avoid upfront payment
• Offers various excess options to customise premiums according to budget

Private health cover benefits:

• Surgery: Unlimited maximum cover
• Cancer care: Up to $500,000 per life assured per policy year (subject to specific treatments/procedures)
• Mental health support benefit: $2,500 per life assured per policy year
• Minor surgery benefit: $3,000 per life assured per policy year
• Medical hospitalisation: Up to $500,000 per life assured per policy year
• And many more benefits covering home nursing, bereavement grant, treatment away from home, and more

Private health plus benefits

• Specialist consultations: $10,000 per life assured per policy year
• Diagnostic imaging and tests: $100,000 per life assured per policy year
• Pregnancy, maternity, and infertility allowance: Up to $1,500 per pregnancy, per life assured, per policy year
• Health screening allowance: $500 or $750 per life assured, depending on the AIA Vitality membership

Discounts and promotions:

• One-month premium free: Eligible new policies receive the first-month premium free.
• AIA Vitality discount: Enjoy a 10% premium discount on eligible insurance policies by joining AIA Vitality.
• Earn Airpoints Dollars™: Accumulate Airpoints Dollars™ by paying premiums.
• Get active. Get rewarded: Get an Apple watch and be rewarded for leading an active lifestyle through AIA Vitality.

Policy features:

• Financial strength: Underwritten by AIA New Zealand Limited, the largest life insurer in the country, with an AA (Very Strong) financial strength rating.
• No-limits prior approval: Obtain prior approval for any covered procedure or amount before incurring any cost, enabling direct payment to providers.
• No medical required: Generally, no medical examinations or tests are necessary for coverage, with an assessment based on the provided information.
• Free-look period: Within 15 days of receiving the policy, enjoy the option to return it for a full premium refund.
• Suspension of cover: Flexibility to suspend cover for up to 24 months for overseas travel or up to 12 months for certain circumstances like unemployment or reduced pay.

Excess options

Choose from a range of excess options to personalise premiums

• No excess and excess options ranging from $250 to $4,000.
• Higher excesses result in lower premiums, with certain benefits exempt from excess regardless of the chosen option.

KiwiCover health insurance offers comprehensive coverage, timely access to private healthcare, reimbursed expenses, and flexible excess options, empowering you to take control of your health journey. With attractive discounts, promotions, and AIA Vitality benefits, they support healthier choices and provide peace of mind for you and your loved ones.