Updated 4 May 2016


Ultimate Health Max

Snapshot: The Nib Ultimate Health Max policy covers surgical procedures up to $300,000 per year. What else does it cover?

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Policy details


Insurance type

Hospital and surgery

Financial strength rating

A- (Excellent) A.M. Best


0800 123 642

Core cover

Hospital surgical


Hospital medical


Specialist consultations associated with hospitalisation

Covered under policy maximums within 6 months of admission (incl. 2nd opinion benefit)

Specialist consultations not associated with hospitalisation


Major diagnostics associated with hospitalisation

Covered under policy maximums within 6 months of admission

Major diagnostics not associated with hospitalisation

Covered under policy maximums: arthroscopy, capsule endoscopy, colonoscopy, colposcopy, CT angiogram, cystoscopy, gastroscopy, myelogram, CT, MRI and PET scans

Oral surgery

Cost of removing impacted or unerupted teeth after 12 month stand-down period (optional dental package)

Minor surgery

$1000 for GP surgery; skin lesion surgery covered under surgical maximum


Pharmac and non-Pharmac

Additional cover

Physiotherapy after being discharged

Covered under policy maximums up to 6 months after discharge

Post-op home nursing

$300 per day up to $6000

Overseas treatment

Cover up to policy maximums if waiting period in NZ is 6 months or more; 75% of costs if treated in Australia; $30,000 per procedure if treatment unavailable in NZ

Suspension of cover

After 12 months of cover, overseas: 3-24 months; parental leave: 3-12 months; unemployment or redundancy: 6 months

Accommodation for parents

$300 per night up to $3000

Travel and accommodation benefit

If treatment 100km from home, travel: $2000 for you and a support person; accommodation: $300 per night up to $3000 for a support person; travel and accommodation for cancer treatment: $300 per night up to $5000 for you and a support person

Public hospital benefit

After 2 nights, $300 per night up to $3000

Death/funeral benefit

$3000 if insured dies aged 16-64

Alternative medical providers

$1000 for osteopathic and chiropractic treatment, speech and occupational therapy, dietician consultations and sports physician treatments up to 6 months after admission

Guaranteed wordings


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