What does AA Health AA Health Everyday Cover cover?

What are the waiting periods on AA Health Everyday Cover?

No general waiting period is on file for this plan. That is not the same as no wait: check the pre-existing conditions section below and the PDF.

Only general waits stated in the wording are shown. Individual benefits can have their own, longer waits (some start only after 3 years of continuous cover), and your policy certificate can list personal exclusions, so confirm in the policy wording.

Compare across insurers: NZ health insurance waiting periods.

What excess options does AA Health Everyday Cover have?

No excess amounts were extracted from this wording; excess is usually chosen on application.

What are the benefit limits on AA Health Everyday Cover?

What does AA Health Everyday Cover not cover?

• 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

All AA Health exclusions side by side: AA Health exclusions.

How does AA Health Everyday Cover handle Pharmac drugs, ACC, mental health and pre-existing conditions?