Pregnancy, Maternity & IVF Cover NZ Health Insurance
Mostly not: pregnancy, childbirth, infertility treatment and IVF are excluded from almost every NZ retail health insurance policy, and some plans add a capped obstetric allowance that starts after a waiting period. Midwifery care from a lead maternity carer is free for New Zealand residents and other eligible women. This page lists each insurer's pregnancy and maternity rules verbatim.
Official source: Health NZ: lead maternity carers (midwifery care is free for eligible women)
23 active retail products from 6 insurers
Looking for the topic comparison? /topics/ivf-and-assisted-reproduction/ shows the cross-insurer breakdown for this topic on a single page.
How each insurer covers this
Each section below is verbatim from the insurer's current policy wording PDF. Where a product doesn't address this specifically, we show "Not on file" rather than guess.
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.
Relevant sublimits (NZD)
- high risk pregnancy $2,000
Related exclusions (5)
- assisted reproduction
- childbirth including caesarean sections
- infertility
- normal pregnancy, including termination of
- contraception
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.
Relevant sublimits (NZD)
- high risk pregnancy $2,000
Related exclusions (5)
- assisted reproduction
- childbirth including caesarean sections
- infertility
- pregnancy (for example: normal pregnancy, ectopic, or termination of)
- contraception
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.
Related exclusions (6)
- caesarean sections (High-Risk Pregnancy Benefit)
- treatment of ectopic pregnancies (High-Risk Pregnancy Benefit)
- any related conditions arising after the end of your pregnancy (High-Risk Pregnancy Benefit)
- pregnancies conceived before your join date (High-Risk Pregnancy Benefit)
- treatment in a public hospital (High-Risk Pregnancy Benefit)
- IVF as a risk factor (High-Risk Pregnancy Benefit)
AA Health Everyday Cover
Wording effective 2026-05-16 · confidence inferred
Assisted reproduction is explicitly excluded under the Reproductive Health exclusion category. IVF is not covered.
Related exclusions (3)
- assisted reproduction
- infertility
- pregnancy (for example: normal pregnancy, caesarean section, ectopic, or termination of)
AA Private Hospital Cover
Wording effective 2023-10-01 · confidence inferred
Excluded. Assisted reproduction and infertility are listed as general exclusions under the Reproductive Health category.
Related exclusions (5)
- assisted reproduction
- childbirth including caesarean sections
- infertility
- pregnancy (for example: normal pregnancy, ectopic, or termination of)
- contraception
AA Private Hospital + Specialist Cover
Wording effective 2026-05-16 · confidence inferred
IVF is not covered. Assisted reproduction and infertility are listed as general exclusions. Under the High-Risk Pregnancy Benefit, IVF is explicitly stated not to be considered a risk factor.
Relevant sublimits (NZD)
- high risk pregnancy $2,000
Related exclusions (5)
- assisted reproduction
- childbirth including caesarean sections
- infertility
- pregnancy (for example: normal pregnancy, ectopic, or termination of)
- contraception
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
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
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.
Related exclusions (3)
- Pregnancy, childbirth, miscarriage, or termination of pregnancy
- Infertility or assisted reproduction, including investigation, diagnosis, treatment, or assisted reproductive technology
- Contraception of any kind, including intrauterine devices, except when used for medical reasons
Source: https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/ParentStay-Health-Plan-2025.pdf
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
KidSmart
Wording effective 2026-05-16 · confidence inferred
Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded.
Related exclusions (4)
- Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
- Treatment, investigation, and diagnosis of infertility and assisted reproduction
- Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
- Termination of pregnancy
SmartCare
Wording effective 2026-05-16 · confidence inferred
Treatment, investigation, and diagnosis of infertility and assisted reproduction are specifically excluded.
Related exclusions (4)
- Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
- Treatment, investigation, and diagnosis of infertility and assisted reproduction
- Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
- Termination of pregnancy
SmartCare+
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).
Related exclusions (4)
- Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
- Treatment, investigation, and diagnosis of infertility and assisted reproduction
- Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
- Termination of pregnancy
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.
Related exclusions (4)
- Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
- Treatment, investigation, and diagnosis of infertility and assisted reproduction
- Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
- Termination of pregnancy
StaffCare
Wording effective 2026-05-16 · confidence verified
Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded.
Related exclusions (4)
- Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
- Treatment, investigation, and diagnosis of infertility and assisted reproduction
- Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
- Termination of pregnancy
StaffCare+
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.
Related exclusions (4)
- Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or Child
- Treatment, investigation, and diagnosis of infertility and assisted reproduction
- Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
- Termination of pregnancy
KiwiCare
Wording effective 2026-04-01 · confidence verified
We don't cover any costs related to infertility or assisted reproduction.
Related exclusions (4)
- Pregnancy and childbirth except for prescriptions and physiotherapy under the Day-to-day treatment benefit for RegularCare
- Termination of a pregnancy
- Infertility or assisted reproduction
- Contraception, including the insertion or removal of intrauterine devices, except when used for medical reasons
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.'
Related exclusions (4)
- Pregnancy and childbirth, except for what we cover under the 'Day-to-day treatment' benefit for prescriptions and physiotherapy if you have the RegularCare plan
- Termination of a pregnancy
- Infertility or assisted reproduction
- Contraception, including the insertion or removal of intrauterine devices, except when used for medical reasons
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.'
Waiting period
- maternity: 365 days
Related exclusions (4)
- Pregnancy and childbirth (except Obstetrics allowance and Day-to-day treatment for prescriptions or physiotherapy)
- Termination of pregnancy
- Infertility or assisted reproduction
- Contraception, including the insertion or removal of intrauterine devices (except when used for medical reasons)
Wellbeing Modules
Wording effective 2026-04-01 · confidence low
No specific rule for this topic on file.
Wellbeing One
Wording effective 2026-04-01 · confidence inferred
We don't cover any costs related to infertility or assisted reproduction.
Related exclusions (4)
- We don't cover any costs related to, or incurred as a consequence of, pregnancy and childbirth, except for what we cover under the 'Obstetrics allowance' if you have the Wellbeing Two plan, the 'Keeping Well Module' for prescriptions, or the 'Day-to-day Module' for prescriptions or physiotherapy.
- We don't cover any costs related to, or incurred as a consequence of, termination of a pregnancy.
- We don't cover any costs related to infertility or assisted reproduction.
- We don't cover any costs related to, or incurred as a consequence of: contraception, including the insertion or removal of intrauterine devices, except when used for medical reasons; sterilisation or its reversal, for example, vasectomy.
Wellbeing Two
Wording effective 2026-04-01 · confidence inferred
We don't cover any costs related to infertility or assisted reproduction.
Waiting period
- maternity: 365 days
Related exclusions (4)
- Pregnancy and childbirth (except Obstetrics allowance on Wellbeing Two, and prescription/physiotherapy cover under optional modules)
- Termination of a pregnancy
- Infertility or assisted reproduction
- Contraception, including the insertion or removal of intrauterine devices, except when used for medical reasons
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.
Related exclusions (3)
- Contraception of any type.
- Diagnosis, management and treatment of infertility except as specifically provided by the pregnancy, maternity and infertility benefit under AIA Private Health Plus.
- Obstetric visits, pregnancy, childbirth or any associated conditions or complications except as specifically provided by the obstetric care allowance or, the pregnancy, maternity and infertility benefit under AIA Private Health Plus.
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