ASB Health Insurance Review
Comprehensive review of ASB's health insurance with AIA Vitality
Underwritten by AIA New Zealand
About ASB Health Insurance
ASB Health Insurance is underwritten by AIA New Zealand Limited, which has been given an AA (Very Strong) insurer financial strength rating by Fitch Ratings. ASB offers two comprehensive health insurance plans: ASB Private Health and ASB Private Health Plus, both providing coverage for hospital stays, surgery, and medical expenses not covered by New Zealand's public health system.
AIA Vitality Included
Get an initial 10% premium discount when you join AIA Vitality wellness program (membership fee $11.50/month incl. GST)
Financial Strength
AA (Very Strong) Fitch Rating (AIA)
AA Rating
Very Strong
ASB Health Insurance Plans
ASB Private Health
Comprehensive hospital and surgical cover
- Hospital stays and surgery
- Specialist consultations
- Cancer treatment coverage
- Diagnostic imaging
ASB Private Health Plus
RECOMMENDEDEverything in Private Health, plus:
- All Private Health benefits
- Enhanced coverage limits
- Overseas treatment up to $200,000
- Additional wellness benefits
AIA Vitality Wellness Program
ASB Health Insurance includes access to AIA Vitality, a wellness program that rewards you for living a healthy lifestyle. Get an initial 10% premium discount and earn ongoing rewards.
10% Discount
Initial premium discount when you join
Health Rewards
Earn points for healthy activities
Partner Benefits
Discounts at gyms, retailers, and more
*Membership fee: $11.50/month (incl. GST)
Key Features & Benefits
Comprehensive Coverage
Full hospital and surgical treatment coverage with choice of specialist and treatment location.
Generous Overseas Cover
ASB Private Health Plus includes overseas treatment coverage up to $200,000 for peace of mind when traveling.
Strong Financial Backing
Underwritten by AIA with AA (Very Strong) financial strength rating from Fitch Ratings.
Flexible Options
Choose between two plan levels and various excess options to match your needs and budget.
What's Covered
Hospital & Surgical Treatment
Coverage for most hospital stays and surgical procedures not covered by NZ health system.
Specialist Consultations
Choose who provides your treatment and where it takes place, both in NZ and overseas.
Major Diagnostic Imaging
Coverage for major diagnostic imaging tests up to $200,000.
Cancer Treatment
Comprehensive coverage for cancer-related treatments and procedures.
Overseas Treatment
Flexible overseas treatment options (Private Health Plus includes up to $200,000 coverage).
Pros & Cons
Pros
- ✓AA (Very Strong) financial rating from AIA
- ✓10% discount with AIA Vitality program
- ✓Generous overseas coverage ($200,000)
- ✓Convenient for existing ASB customers
- ✓Comprehensive hospital and surgical cover
- ✓Wellness rewards through Vitality
Cons
- ✗AIA Vitality has monthly membership fee ($11.50)
- ✗Waiting periods apply for some conditions
- ✗Pre-existing conditions may have exclusions
- ✗Premiums may increase with age
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Contact ASB Health Insurance
Phone
0800 100 600
Mon-Fri: 8am-8pm, Sat: 9am-1pm
Note: ASB Health Insurance is underwritten by AIA New Zealand Limited. AIA has been given an AA (Very Strong) insurer financial strength rating by Fitch Ratings.