Updated 4 May 2016

nib

Ultimate Health Max

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

Join us now for instant access

Join more than 100,000 members today and you’ll get:

  • Independent info
  • Thousands of test results and research you can trust
  • Everything in one easy place
  • Expert support a phone call away if things go wrong


Policy details

Policy

Insurance type

Hospital and surgery

Financial strength rating

A- (Excellent) A.M. Best

Phone

0800 123 642

Core cover

Hospital surgical

$300,000

Hospital medical

$200,000

Specialist consultations associated with hospitalisation

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

Specialist consultations not associated with hospitalisation

n/a

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

Pharmaceuticals

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

Yes

Compare all health insurance policies.

Have a look at all our health insurance policies. You can compare several to find out what they provide.

View all health insurance policies
×