AA Health Health Insurance — Review

3 active retail products from AA Insurance Limited · aa.co.nz

Last refreshed 2026-05-29 · current wordings effective 2026-05-16

Active products

Legacy products

RBNZ rating

AA- (S&P, Very Strong, Stable)

Wording effective

2026-05-16

Plans at a glance

AA Health Everyday Cover

Wording effective 2026-05-16

Current

dental $450
eye care $200
gp and prescriptions $150
general treatment physiotherapy chiropractic osteopathy $100

PDF ↗ JSON Markdown

AA Private Hospital Cover

Wording effective 2023-10-01

2 years old

non pharmac cancer treatment $10,000
surgical $300,000
non surgical $200,000
physiotherapy $750
therapeutic care $250

PDF ↗ JSON Markdown

AA Private Hospital + Specialist Cover

Wording effective 2026-05-16

Current

surgical benefit $300,000
non surgical benefit $200,000
gp surgery $750
eye injections $3,000
home care per day $150

PDF ↗ JSON Markdown

Coverage at a glance

One-line summary of how AA Health's flagship retail product (AA Health Everyday Cover) handles the questions consumers most commonly ask. Full verbatim text below.

Pharmac vs non-Pharmac drug cover

Under the GP and Prescriptions Benefit, only pharmaceutical prescriptions for medicines that are funded by PHARMAC at the time of your treatment are covered. Medicines that aren't…

ACC interaction

Not on file.

Mental health cover

Not covered — psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders) are explicitly excluded with no sublimit o…

Pre-existing conditions

Not on file.

IVF and assisted reproduction

Assisted reproduction is explicitly excluded under the Reproductive Health exclusion category. IVF is not covered.

Oncology and high-cost cancer drugs

Not on file.

Gap payment rules

Not on file.

Verified policy facts — full text

Every section below is the verbatim text from each AA Health product's current policy wording PDF. Where a product doesn't address a topic, we show "Not on file" rather than guess.

Pharmac vs non-Pharmac drug cover

NZ's Pharmac funds a defined list of medicines. Non-Pharmac drugs (including high-cost cancer drugs like Keytruda) are excluded from public funding. Health insurance can fill that gap — but every insurer handles it differently. This page summarises each NZ insurer's non-Pharmac rules verbatim from their policy wordings.

AA Health Everyday Cover

Under the GP and Prescriptions Benefit, only pharmaceutical prescriptions for medicines that are funded by PHARMAC at the time of your treatment are covered. Medicines that aren't funded by PHARMAC at the time of your treatment are explicitly excluded.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/610487-13-1023-AAHECPD-NZ-AA-Health-Everyday-Cover-Policy-Document-D2-WEBacc.pdf · effective 2026-05-16

AA Private Hospital Cover

Base Cover only covers medications that are funded by PHARMAC for the treatment needed at the time of treatment (and registered/approved by Medsafe, prescribed and administered within Medsafe guidelines, prescribed by the treating specialist or GP). If the cost of a PHARMAC-funded medication is not fully funded by PHARMAC, the policy pays the difference up to the relevant benefit limit. Non-PHARMAC medicines are generally excluded under Base Cover. Exceptions: (1) Non-PHARMAC Cancer Treatment Benefit covers chemotherapy or immunotherapy medicines administered in a private hospital that are not funded by PHARMAC, up to $10,000 per insured person per policy year (must be Medsafe-approved and used within Medsafe approval). (2) Cancer Treatment at Home Benefit covers PHARMAC-funded chemotherapy medicines prescribed for home use, up to $10,000 per policy year. (3) The optional Non-PHARMAC Plus Benefit covers non-PHARMAC medicines (Medsafe-approved, used within Medsafe approval, not funded by PHARMAC) used in a private hospital or at home for up to six months after a covered private hospital admission, up to the selected benefit limit per policy year.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/604920-11-1023-AAHPD-AA-Health-Insurance-Private-Hospital-Cover-Policy-Document-D10-WEBacc.pdf · effective 2023-10-01

AA Private Hospital + Specialist Cover

Medications claimed under the policy must be funded by PHARMAC for the treatment needed at the time of treatment (unless a specific benefit or Option covers non-PHARMAC medicines). If the cost of medication is not fully funded by PHARMAC but meets all criteria, the policy pays the difference up to the relevant benefit limit. Under the base Non-PHARMAC Cancer Treatment Benefit, chemotherapy or immunotherapy medicines administered in a private hospital that are not funded by PHARMAC are covered up to $10,000 per insured person per policy year, provided the medicines are approved by Medsafe; medicines administered or charged in a public hospital and medicines not approved by Medsafe are excluded. The Cancer Treatment at Home Benefit covers PHARMAC-funded chemotherapy medicines prescribed for use at home, up to $10,000 per insured person per policy year. The optional Non-PHARMAC Plus Benefit covers Medsafe-approved medicines not funded by PHARMAC, used in a private hospital or at home for up to six months post-admission, up to the benefit limit selected, with no excess required; medicines must be referred by a specialist and relate to an accepted claim under the Surgical, Non-Surgical, or Cancer Treatment Benefit.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF · effective 2026-05-16

Compare this topic across every NZ insurer → /topics/pharmac-vs-non-pharmac/

ACC interaction

In NZ, ACC covers accidental injury and treatment-injury costs. Health insurance generally excludes ACC-covered events but most policies offer an ACC Top-Up benefit for any shortfall. This page summarises each insurer's ACC interaction rules verbatim.

AA Health Everyday Cover

Not on file for this product.

AA Private Hospital Cover

Injuries covered by ACC are excluded from Base Cover. The ACC Top-Up Benefit covers the difference between ACC claim payments and the actual cost of surgery or medical treatment for a physical injury, up to the remaining Surgical or Non-Surgical Benefit limit for the policy year. The ACC Treatment Injury Benefit covers surgery or treatment needed to treat or repair an injury sustained during a health service paid for by the insurer that is not covered by ACC; evidence of an ACC treatment injury claim being submitted to ACC is required; if ACC declines, the insurer may request an ACC review on the policyholder's behalf; if the insurer has paid and ACC subsequently reimburses the insured, the reimbursement must be forwarded to the insurer. If the insurer believes ACC should pay for a health service, it may ask ACC to review their decision on the insured's behalf, requiring full cooperation from the insured.

AA Private Hospital + Specialist Cover

Injuries covered by ACC are generally excluded. The ACC Top-Up Benefit pays the difference where ACC claim payments do not fully cover the cost of surgery or medical treatment for a physical injury, up to the benefit limit remaining on the Surgical or Non-Surgical Benefit; injuries that occurred before the join date are not covered under this benefit. The ACC Treatment Injury Benefit covers surgery or treatment needed to treat or repair an injury sustained during a health service that nib has paid for, where that injury is not covered by ACC, up to the benefit limit remaining on the Surgical or Non-Surgical Benefit; evidence of an ACC treatment injury claim submission is required. If ACC declines to pay, nib may request an ACC review on the insured person's behalf. If nib has paid for treatment and ACC subsequently reimburses the insured person, that money must be forwarded to nib. Acute medical conditions and acute care are excluded. If nib believes ACC should pay for a health service, nib may ask ACC to review their decision.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF · effective 2026-05-16

Compare this topic across every NZ insurer → /topics/acc-interaction/

Mental health cover

Mental health cover varies dramatically across NZ health insurers — from entirely excluded (entry-level plans) to specific psychiatric hospitalisation sublimits. This page lists each insurer's mental-health rules with the relevant NZD sublimits and admission terms.

AA Health Everyday Cover

Mental health annual sublimit: Not covered — psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders) are explicitly excluded with no sublimit or benefit provided.

Not covered — psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders) are explicitly excluded with no sublimit or benefit provided.

AA Private Hospital Cover

Mental health annual sublimit: Not covered — mental health conditions are excluded

Psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders) are excluded from cover. There is no inpatient mental health admission benefit under this policy.

AA Private Hospital + Specialist Cover

Mental health annual sublimit: Not covered — psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders) are excluded entirely.

Inpatient mental health admissions are not covered. Psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders) are excluded under the general exclusions.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF · effective 2026-05-16

Compare this topic across every NZ insurer → /topics/mental-health-cover/

Pre-existing conditions

NZ health insurers handle pre-existing conditions in two main ways: (1) disclose-and-accept (Southern Cross — exclude unless noted on certificate), or (2) stand-down period (nib — 3 years then covered, with permanent exclusions for certain conditions). This page lists each insurer's verbatim rules.

AA Health Everyday Cover

Not on file for this product.

AA Private Hospital Cover

Any sign, symptom, treatment, or surgery of any condition that happened on or before the insured person's join date that the policyowner(s) or another insured person were aware of, had an indication that something was wrong, sought investigation or medical advice for, or would cause a reasonable person to seek diagnosis, care, or treatment. In the first three years following your join date, we won't pay any claims that directly or indirectly relate to any pre-existing conditions. After three years of continuous cover, eligible pre-existing conditions are covered. Some pre-existing conditions are never covered, including: pre-existing congenital or acquired cardiovascular conditions (with additional carve-outs for certain diabetes/cholesterol risk factors); pre-existing cancers (with limited exceptions for certain pre-malignant cancers with appropriate prior treatment); pre-existing hip or knee conditions; pre-existing back conditions; any prior transplant surgery; and any prior reconstructive or reparative surgery. If a dependent child is added within four months of birth, their pre-existing conditions are covered under Base Cover (general and personal exclusions including congenital conditions still apply).

AA Private Hospital + Specialist Cover

A pre-existing condition is any sign, symptom, treatment, or surgery of any condition that happened on or before the insured person's join date that the policyowner(s) or another insured person were aware of, had an indication that something was wrong, sought investigation or medical advice for, or would cause a reasonable person to seek diagnosis, care, or treatment. In the first three years following the join date, no claims that directly or indirectly relate to any pre-existing conditions will be paid. After three years of continuous cover following the join date, eligible pre-existing conditions are covered. Some pre-existing conditions are never covered, including: pre-existing congenital or acquired cardiovascular conditions (with additional risk-factor exclusions for diabetes, hypercholesterolaemia, BMI ≥30); pre-existing cancers (with limited exceptions for certain pre-malignant conditions that have had appropriate treatment); pre-existing hip or knee conditions including degenerative conditions, disease or injury; pre-existing back conditions including any condition of or injury to the back; transplant surgery; and reconstructive or reparative surgery performed before the join date. A dependent child added within four months of birth has pre-existing conditions covered under Base Cover (congenital condition exclusions still apply).

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF · effective 2026-05-16

Compare this topic across every NZ insurer → /topics/pre-existing-conditions/

IVF and assisted reproduction

IVF, infertility treatment, and assisted reproduction are excluded from virtually every NZ retail health insurance policy. This page documents each insurer's stance verbatim.

AA Health Everyday Cover

Assisted reproduction is explicitly excluded under the Reproductive Health exclusion category. IVF is not covered.

AA Private Hospital Cover

Excluded. Assisted reproduction and infertility are listed as general exclusions under the Reproductive Health category.

AA Private Hospital + Specialist Cover

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.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF · effective 2026-05-16

Compare this topic across every NZ insurer → /topics/ivf-and-assisted-reproduction/

Oncology and high-cost cancer drugs

High-cost cancer drugs (Keytruda, Opdivo, etc.) are often non-Pharmac and not covered under public health. Some NZ insurers cover these via separate cancer benefits with specific NZD caps. This page summarises each insurer's oncology / non-Pharmac chemotherapy cover.

AA Health Everyday Cover

Not on file for this product.

AA Private Hospital Cover

Non-PHARMAC Cancer Treatment Benefit (Base Cover): covers chemotherapy or immunotherapy medicines administered in a private hospital that are not funded by PHARMAC at the time of treatment, up to $10,000 per insured person per policy year, deducted from the overall benefit limit. Medicines must be Medsafe-approved and used within Medsafe approval; excludes medicines administered or charged in a public hospital and medicines not approved by Medsafe. Non-PHARMAC Plus Option (optional): covers non-PHARMAC, Medsafe-approved medicines (used within Medsafe approval) in a private hospital or at home for up to six months after a covered private hospital admission, up to the selected benefit limit per policy year; no excess applies to this Option; requires specialist referral and a recommendation letter from the specialist; must relate to an accepted claim under Surgical, Non-Surgical, or Cancer Treatment Benefit.

AA Private Hospital + Specialist Cover

Under the base Non-PHARMAC Cancer Treatment Benefit, chemotherapy or immunotherapy medicines administered in a private hospital that are not PHARMAC-funded are covered up to $10,000 per insured person per policy year (deducted from the Non-Surgical Benefit limit); Medsafe approval required. The optional Non-PHARMAC Plus Benefit covers non-PHARMAC, Medsafe-approved medicines (including high-cost cancer drugs) used in a private hospital or at home for up to six months post-admission, up to the selected benefit limit per insured person per policy year, with no excess; requires specialist referral and a recommendation letter explaining reasons for prescribing.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF · effective 2026-05-16

Compare this topic across every NZ insurer → /topics/oncology-high-cost-drugs/

Gap payment rules

When a provider's charges exceed what the insurer pays, the member pays the 'gap'. NZ insurers use different models — affiliated/preferred provider networks, percentage co-pays, 'reasonable charges' caps. This page lists each insurer's gap rules verbatim.

AA Health Everyday Cover

Not on file for this product.

AA Private Hospital Cover

If a recognised provider is part of the First Choice Network, 100% of eligible costs are covered (up to the benefit limit, less any applicable excess) with no gap payment. If a recognised provider is not part of the First Choice Network, a gap payment may apply — the gap payment is the difference between what the non-First Choice recognised provider charges and the Efficient Market Price (the maximum the insurer will pay for that service). The Efficient Market Price is determined based on what healthcare providers charge for a particular health service, the insurer's claims data, and experience with New Zealand's national and regional health market. If pre-approval was obtained, the Efficient Market Price as at the pre-approval date applies; if no pre-approval, the Efficient Market Price as at the treatment date applies. The insurer can change the Efficient Market Price at its discretion. The insured must pay the excess directly to their recognised provider along with any costs not covered and any gap payments.

AA Private Hospital + Specialist Cover

If a recognised provider is part of the First Choice Network, 100% of eligible costs are covered (up to the benefit limit), less any applicable excess, with no gap payment. If a recognised provider is not part of the First Choice Network, a gap payment may apply — this is the difference between what the provider charges and the Efficient Market Price (the maximum nib will pay for that service). The Efficient Market Price is determined by nib based on what healthcare providers charge, nib's claims data, and experience with the New Zealand health market. If pre-approval was obtained, the Efficient Market Price at the pre-approval date applies; without pre-approval, the Efficient Market Price at the treatment date applies. nib may change the Efficient Market Price at its discretion. The excess is paid directly to the recognised provider along with any gap payments and other uncovered costs.

Source: https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF · effective 2026-05-16

Compare this topic across every NZ insurer → /topics/gap-payment-rules/

Waiting periods, excess and exclusions

Waiting periods (days)

Product	Surgical	Mental health	Maternity	Pre-existing
AA Health Everyday Cover	—	—	—	—
AA Private Hospital Cover	—	—	—	1095 days
AA Private Hospital + Specialist Cover	—	—	—	1095 days

Excess options

Excess is selected per-member on application — see source PDF.

Exclusions

AA Health Everyday Cover — 40 exclusions

anything cosmetic that is not medically necessary regardless of whether it's done for physical, functional, psychological, or emotional reasons (for example: treatment that improves, changes, or enhances your appearance)
assisted reproduction
hormone therapy
infertility
intrauterine devices
pregnancy (for example: normal pregnancy, caesarean section, ectopic, or termination of)
erectile dysfunction
sterilisation or reversal of sterilisation
psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders)
injuries that are self-inflicted
congenital or chromosomal disorders (for example: a birth defect)
congenital kyphosis, congenital scoliosis, cystic fibrosis, or pectus excavatum
Marfan's syndrome
genetic testing
hereditary, or genetic conditions
health services due to concerns of familial risk or familial predisposition, in the absence of signs or symptoms that a condition exists
any acute medical conditions or acute care
any treatment for a condition relating to a crime committed by you
treatment for allergies or allergic disorders (for example: desensitisation)
providers who don't meet our criteria
services provided by a family member (for example: health services, travel costs or accommodation)
claims that don't meet the terms of your policy
expenses recoverable from a third party (for example: another insurer, company or person)
health services that you have received during a waiting period
health services after the applicable benefit limit has been reached
health services not covered under your policy
anything that isn't medically necessary (for example: alcohol, toiletries, car parking, visitor meals or administration costs)
seeing the same provider twice on the same day – we'll pay the cost of the first visit only
services or goods that were received or purchased outside of New Zealand (for example: goods bought online from another country)
false or inaccurate information provided for a policy application or claim request
substance misuse (for example: misuse of alcohol or drugs)
Cryotherapy, Pulse light therapy or Photodynamic therapy
any other services in GP rooms, such as minor surgery
injections of any kind
medicines that aren't funded by PHARMAC at the time of your treatment
treatments covered under the school dental service or government dental scheme
any extra costs such as gold or other materials that are not normally used in dental treatments or are unreasonably expensive
replacing lenses as part of a repair
sunglass tinting, coating, or hardening lenses
Hospital services

AA Private Hospital Cover — 66 exclusions

anything cosmetic or reconstructive that is not medically necessary regardless of whether it's done for physical, functional, psychological, or for emotional reasons (for example: treatment that improves, changes, or enhances your appearance)
Abdominoplasty, Hyperhidrosis, Rectus divarication repair
weight loss or bariatric investigations or treatment (for example: gastric banding, sleeve, and bypass), even if the purpose is to treat other health conditions (for example: diabetes or cardiovascular conditions)
breast implants
breast reductions
Gynaecomastia
revision of breast reconstruction
assisted reproduction
childbirth including caesarean sections
hormone therapy
infertility
intrauterine devices
pregnancy (for example: normal pregnancy, ectopic, or termination of)
contraception
erectile dysfunction
sterilisation or reversal of sterilisation
any treatment or procedures that are related to gender dysphoria
gender reassignment
psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders)
injuries that are self-inflicted
congenital or chromosomal disorders (for example: a birth defect)
congenital kyphosis, congenital scoliosis, cystic fibrosis, or pectus excavatum
Marfan's syndrome
gene therapy
genetic testing
hereditary conditions
any acute medical conditions or acute care
ambulance society subscriptions
injuries that are covered by ACC
aids that assist with rehabilitation and mobility (for example: crutches, toilet frames, artificial limbs)
continuous care (for example: geriatric, palliative, rehabilitation)
mechanical tools or appliances (for example: insulin pumps, CPAP machines and equipment, pacemakers)
organ or tissue transplants or donations (for example: organ transplants)
specialised transfusions (for example: transfusion of blood, blood products and derivatives, and dialysis of any type)
dentures
dental implants
Orthognathic surgery
Periodontics, orthodontics, and endodontic procedures
tooth exposure
vision enhancement and correction (for example: myopia, hypermetropia, presbyopia, astigmatism, or laser treatment)
Blepharoplasty
any treatment for a condition relating to crime commited by you
conditions or treatment relating to wars, riots, or terrorism
HIV or AIDS
treatment for allergies or allergic disorders (for example: desensitisation or patch testing)
medicines that aren't funded by PHARMAC under the latest PHARMAC Pharmaceutical Schedule
conditions not registered with the Ministry of Health as a disease
any form of risk management (for example: screening, preventative, or prophylactic health services)
health services due to concerns of familial risk or familial predisposition, in the absence of signs or symptoms that a condition exists
sleep problems or disorders (for example: snoring, insomnia, or sleep apnoea)
alternative or complementary medicine or therapy (for example: homoeopathy and natural therapy)
experimental, unproven, or unconventional treatments or procedures
providers who don't meet our criteria
health services provided by a family member (for example: health services, travel costs, or accommodation)
health services provided by someone who is not recognised by the Medical Council of New Zealand
technologies that we haven't approved that we consider novel or experimental or that are more expensive than an alternative treatment which will provide a similar outcome
additional surgery or treatment that isn't covered under your policy
claims that don't meet the terms of your policy
expenses recoverable from a third party (for example: another insurer, company, or person)
health services after the applicable benefit limit has been reached
health services not covered under your policy
anything that isn't medically necessary (for example: alcohol, toiletries, car parking, visitor meals, or administration costs)
GP and out-of-hospital charges (including prescriptions)
health services or goods that were received or purchased outside of New Zealand (for example: goods bought online from another country)
false or inaccurate information provided for a policy application or claim request
substance misuse (for example: misuse of alcohol or drugs)

AA Private Hospital + Specialist Cover — 66 exclusions

anything cosmetic or reconstructive that is not medically necessary regardless of whether it's done for physical, functional, psychological, or emotional reasons (for example: treatment that improves, changes, or enhances your appearance)
Abdominoplasty, Hyperhidrosis, Rectus divarication repair
weight loss or bariatric investigations or treatment (for example: gastric banding, sleeve, and bypass), even if the purpose is to treat other health conditions (for example: diabetes or cardiovascular conditions)
breast implants
breast reductions
Gynaecomastia
revision of breast reconstruction
assisted reproduction
childbirth including caesarean sections
hormone therapy
infertility
intrauterine devices
pregnancy (for example: normal pregnancy, ectopic, or termination of)
contraception
erectile dysfunction
sterilisation or reversal of sterilisation
any treatment or procedures that are related to gender dysphoria
gender reassignment
psychiatric, psychological, behavioural, or developmental conditions (for example: depression, ADHD, and eating disorders)
injuries that are self-inflicted
congenital or chromosomal disorders (for example: a birth defect)
congenital kyphosis, congenital scoliosis, cystic fibrosis, or pectus excavatum
Marfan's syndrome
gene therapy
genetic testing
hereditary conditions
any acute medical conditions or acute care
ambulance society subscriptions
injuries that are covered by ACC
aids that assist with rehabilitation and mobility (for example: crutches, toilet frames, artificial limbs)
continuous care (for example: geriatric, palliative, rehabilitation)
mechanical tools or appliances (for example: insulin pumps, CPAP machines and equipment, pacemakers)
organ or tissue transplants or donations (for example: organ transplants)
specialised transfusions (for example: transfusion of blood, blood products and derivatives, and dialysis of any type)
dentures
dental implants
Orthognathic surgery
Periodontics, orthodontics, and endodontic procedures
tooth exposure
vision enhancement and correction (for example: myopia, hypermetropia, presbyopia, astigmatism, or laser treatment)
Blepharoplasty
any treatment for a condition relating to crime committed by you
conditions or treatment relating to wars, riots, or terrorism
HIV or AIDS
treatment for allergies or allergic disorders (for example: desensitisation or patch testing)
medicines that aren't funded by PHARMAC under the latest PHARMAC Pharmaceutical Schedule
conditions not registered with the Ministry of Health as a disease
any form of risk management (for example: screening, preventative, or prophylactic health services)
health services due to concerns of familial risk or familial predisposition, in the absence of signs or symptoms that a condition exists
sleep problems or disorders (for example: snoring, insomnia, or sleep apnoea)
alternative or complementary medicine or therapy (for example: homoeopathy and natural therapy)
experimental, unproven, or unconventional treatments or procedures
providers who don't meet our criteria
services provided by a family member (for example: health services, travel costs, or accommodation)
services provided by someone who is not recognised by the Medical Council of New Zealand
technologies that we haven't approved that we consider novel or experimental or that are more expensive than an alternative treatment which will provide a similar outcome
additional surgery or treatment that isn't covered under your policy
claims that don't meet the terms of your policy
expenses recoverable from a third party (for example: another insurer, company, or person)
health services after the applicable benefit limit has been reached
health services not covered under your policy
anything that isn't medically necessary (for example: alcohol, toiletries, car parking, visitor meals, or administration costs)
GP and out-of-hospital charges (including prescriptions)
services or goods that were received or purchased outside of New Zealand (for example: goods bought online from another country)
false or inaccurate information provided for a policy application or claim request
substance misuse (for example: misuse of alcohol or drugs)

Machine-readable API for this page

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GET /api/insurer/aa/facts.json — full insurer profile + product list (JSON)
GET /api/insurer/aa/summary.md — markdown summary (LLM-friendly)
Per-product: replace {product} with any product slug listed above
- GET /api/product/aa/{product}/facts.json
- GET /api/product/aa/{product}/wording.md
POST /mcp — anonymous Model Context Protocol server (5 tools)

Source documents

AA Health Everyday Cover · wording effective 2026-05-16 · https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/610487-13-1023-AAHECPD-NZ-AA-Health-Everyday-Cover-Policy-Document-D2-WEBacc.pdf
AA Private Hospital Cover · wording effective 2023-10-01 · https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/604920-11-1023-AAHPD-AA-Health-Insurance-Private-Hospital-Cover-Policy-Document-D10-WEBacc.pdf
AA Private Hospital + Specialist Cover · wording effective 2026-05-16 · https://www.aa.co.nz/content/dam/nzaa/02-services/insurance/health-insurance/policy-wordings/6104871.PDF

The authoritative source for any specific cover question is the insurer's published PDF. Our facts are a structured derivative for comparison.

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About this data. All facts on this page are extracted from each insurer's published policy wording PDF, with the source PDF, effective date, our extraction date, and SHA-256 hash recorded against every claim. If a policy has been updated since our extraction, the verbatim text and structured facts may be out of date — the authoritative answer is always the source PDF linked, not our derived facts.

Audit trail (3 source documents)

AA Health AA Health Everyday Cover · effective 2026-05-16 · extracted 2026-05-16 · source PDF
AA Health AA Private Hospital Cover · effective 2023-10-01 · extracted 2026-05-16 · source PDF
AA Health AA Private Hospital + Specialist Cover · effective 2026-05-16 · extracted 2026-05-16 · source PDF

Personalised advice on which product fits your situation is regulated under the Financial Markets Conduct Act 2013 — for that, contact our licensed Financial Advice Provider: Evolve Group Limited (FSP711891) via /quotes/. Page rendered 2026-05-29.