# IVF and Assisted Reproduction Cover in NZ Health Insurance IVF, infertility treatment, and assisted reproduction are excluded from virtually every NZ retail health insurance policy. This page documents each insurer's stance verbatim. _All facts below are extracted verbatim from each insurer's published policy wording PDF (see Source links). For the authoritative answer in any specific case, refer to the source PDF._ ## Per-product breakdown ### Accuro **KidSmart** `accuro/kidsmart` — wording effective 2026-05-16 — confidence `inferred` Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/KidSmart-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/KidSmart-Sept-2025.pdf) **SmartCare** `accuro/smartcare` — wording effective 2026-05-16 — confidence `inferred` Treatment, investigation, and diagnosis of infertility and assisted reproduction are specifically excluded. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare-Sept-2025.pdf) **SmartCare+** `accuro/smartcare-plus` — wording effective 2026-05-16 — confidence `inferred` Treatment, investigation, and diagnosis of infertility and assisted reproduction are explicitly excluded. However, after 3 years of continuous cover under the Specialist+ module, a loyalty benefit of $2,000 per person per policy year covers obstetric care during pregnancy and infertility diagnosis and treatment by a registered medical specialist (this benefit does not cover antenatal ultrasounds). > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare%2B-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare%2B-Sept-2025.pdf) **SmartStay** `accuro/smartstay` — wording effective 2026-05-16 — confidence `inferred` Excluded. 'Treatment, investigation, and diagnosis of infertility and assisted reproduction' is a listed general exclusion under the Obstetrics and gynaecology exclusions. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartStay-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartStay-Sept-2025.pdf) **StaffCare** `accuro/staffcare` — wording effective 2026-05-16 — confidence `verified` Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare-Sept-2025.pdf) **StaffCare+** `accuro/staffcare-plus` — wording effective 2026-05-16 — confidence `inferred` Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded and not covered under this policy. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare%2B-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare%2B-Sept-2025.pdf) ### AIA **AIA Private Health** `aia/private-health` — wording effective 2026-05-16 — confidence `verified` Infertility treatment is excluded under AIA Private Health Cover: 'Diagnosis, management and treatment of infertility except as specifically provided by the pregnancy, maternity and infertility benefit under AIA Private Health Plus.' Under AIA Private Health Plus, the Pregnancy, Maternity and Infertility Allowance covers 'obstetric care (including scans), infertility diagnosis and treatment carried out by a registered medical practitioner or a specialist at an approved facility,' up to $1,500 per pregnancy, per life assured, per policy year, available only after two years of continuous cover under AIA Private Health Plus. No excess applies. IVF is not explicitly named but infertility treatment is covered under the Plus tier within these limits. > Source: [https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/health/aia-private-health-umbrella-policy-wording.pdf](https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/health/aia-private-health-umbrella-policy-wording.pdf) ### nib **Easy Health** `nib/easy-health` — wording effective 2024-09-20 — confidence `inferred` IVF is not covered. Assisted reproduction and infertility are listed as general exclusions under the Reproductive Health category. The High-Risk Pregnancy Benefit specifically states that IVF is not considered a risk factor. > Source: [https://assets.ctfassets.net/px2565zobjcl/6cvBkC1suOUs7v5HKNIZX5/a5d1a25eb5608458dbedb21fe97ac431/Easy-Health-Policy-Document-Final-20.9.24.pdf](https://assets.ctfassets.net/px2565zobjcl/6cvBkC1suOUs7v5HKNIZX5/a5d1a25eb5608458dbedb21fe97ac431/Easy-Health-Policy-Document-Final-20.9.24.pdf) **Ultimate Health** `nib/ultimate-health` — wording effective 2025-11-24 — confidence `inferred` IVF is not covered. Assisted reproduction is listed as a general exclusion under Reproductive Health. The High-Risk Pregnancy Benefit explicitly states 'we don't consider IVF to be a risk factor' and infertility is also excluded. > Source: [https://assets.ctfassets.net/ja9v5o5o08yv/2I5CHtqWsDwQ2YtNOeSmFP/e2f58e9bf22d97e6cb7400f7181d6583/ultimate-health-policy-from-24-Nov-2025.pdf](https://assets.ctfassets.net/ja9v5o5o08yv/2I5CHtqWsDwQ2YtNOeSmFP/e2f58e9bf22d97e6cb7400f7181d6583/ultimate-health-policy-from-24-Nov-2025.pdf) **Ultimate Health Max** `nib/ultimate-health-max` — wording effective 2024-02-01 — confidence `verified` IVF is not considered a risk factor under the High-Risk Pregnancy Benefit and is therefore not covered under that benefit. No other IVF cover is described in the available policy text. > Source: [https://assets.ctfassets.net/ja9v5o5o08yv/7Acf9tvW7QiaF1lSLqnV0p/8282b54901949d83eeda17b5398ea67c/Ultimate_Health_Max_Policy_Document__effective_for_new_policies_or_policies_renewing_from_1_February_2024_or_later_.pdf](https://assets.ctfassets.net/ja9v5o5o08yv/7Acf9tvW7QiaF1lSLqnV0p/8282b54901949d83eeda17b5398ea67c/Ultimate_Health_Max_Policy_Document__effective_for_new_policies_or_policies_renewing_from_1_February_2024_or_later_.pdf) ### Southern Cross **KiwiCare** `southern-cross/kiwicare` — wording effective 2026-04-01 — confidence `verified` We don't cover any costs related to infertility or assisted reproduction. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_KiwiCare_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_KiwiCare_plan.pdf) **RegularCare** `southern-cross/regularcare` — wording effective 2026-04-01 — confidence `verified` Infertility or assisted reproduction is explicitly excluded: 'We don't cover any costs related to infertility or assisted reproduction.' > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_RegularCare_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_RegularCare_plan.pdf) **UltraCare** `southern-cross/ultracare` — wording effective 2026-04-01 — confidence `inferred` Infertility or assisted reproduction is explicitly excluded: 'We don't cover any costs related to infertility or assisted reproduction.' > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_UltraCare_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_UltraCare_plan.pdf) **Wellbeing Modules** `southern-cross/wellbeing-modules` — wording effective 2026-04-01 — confidence `low` _Not on file for this product._ > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Sales-collateral/Plan-documents/BS-Wellbeing-Modules.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Sales-collateral/Plan-documents/BS-Wellbeing-Modules.pdf) **Wellbeing One** `southern-cross/wellbeing-one` — wording effective 2026-04-01 — confidence `inferred` We don't cover any costs related to infertility or assisted reproduction. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf) **Wellbeing Two** `southern-cross/wellbeing-two` — wording effective 2026-04-01 — confidence `inferred` We don't cover any costs related to infertility or assisted reproduction. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf) ### UniMed **Health Positive** `unimed/health-positive` — wording effective 2025-08-01 — confidence `inferred` Not mentioned in the policy wording; the plan excludes major surgery and hospital visits, and no IVF benefit is described. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf) **Hospital Select** `unimed/hospital-select` — wording effective 2025-08-01 — confidence `low` IVF cover is not mentioned in the policy wording; it is not listed as a covered benefit. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Hospital_Select_Plus_Modules_Plan.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Hospital_Select_Plus_Modules_Plan.pdf) **ParentStay** `unimed/parentstay` — wording effective 2025-10-01 — confidence `inferred` Infertility or assisted reproduction, including investigation, diagnosis, treatment, or assisted reproductive technology, is explicitly excluded under the 'Reproductive and sexual health' general exclusion. IVF is not covered. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/ParentStay-Health-Plan-2025.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/ParentStay-Health-Plan-2025.pdf) **UniCare Advantage** `unimed/unicare-advantage` — wording effective 2025-08-01 — confidence `low` IVF is not mentioned as a covered benefit. No explicit IVF benefit is described in the policy wording. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/UniCare_Advantage_Plan.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/UniCare_Advantage_Plan.pdf) ## Other comparison topics - [Pharmac vs Non-Pharmac Drug Cover in NZ Health Insurance](/api/topic/pharmac-vs-non-pharmac/summary.md) — `pharmac-vs-non-pharmac` - [ACC Interaction in NZ Health Insurance](/api/topic/acc-interaction/summary.md) — `acc-interaction` - [Mental Health Cover in NZ Health Insurance](/api/topic/mental-health-cover/summary.md) — `mental-health-cover` - [Pre-Existing Conditions and NZ Health Insurance](/api/topic/pre-existing-conditions/summary.md) — `pre-existing-conditions` - [Oncology and High-Cost Cancer Drugs in NZ Health Insurance](/api/topic/oncology-high-cost-drugs/summary.md) — `oncology-high-cost-drugs` - [Gap Payment Rules in NZ Health Insurance](/api/topic/gap-payment-rules/summary.md) — `gap-payment-rules` ## Coverage notes - Insurers in this comparison: Accuro, AIA, nib, Southern Cross, UniMed - Products compared: 20 active retail products - Each product links to its source PDF + structured machine-readable facts at `/api/product/{insurer}/{product}/facts.json` - This page is generated from `insurance.wording_facts` JSONB rows in our Supabase data layer ## Citation Cite as: "IVF and Assisted Reproduction Cover in NZ Health Insurance", healthinsurancecomparison.co.nz, accessed 2026-05-16. Canonical URL: https://healthinsurancecomparison.co.nz/api/topic/ivf-and-assisted-reproduction/summary.md License: CC BY 4.0 — attribute https://healthinsurancecomparison.co.nz Primary sources: each insurer's policy wording PDF linked inline above. Generated 2026-05-16T12:55:37.488Z.