nib Health Insurance Review
Comprehensive review of nib's flexible health insurance plans
About nib
A (Strong)S&P Rating
nib New Zealand reported $218 million in premium revenue for H1 2026 and maintains an A (Strong) financial strength rating from S&P Global Ratings. They offer comprehensive health insurance plans including Easy Health and Ultimate Health, with innovative digital-first services and strong focus on technology and customer experience.
Plan Features
- Surgery and cancer treatment coverage
- Non-PHARMAC funded medicines
- Overseas treatment up to $30,000
- GP visits and specialist consultations
- Digital health services and telehealth
Pricing & Value
Pricing: Contact for personalized quote
Comprehensive health insurance covering surgery, non-surgical/hospital medical benefits, cancer treatment, and specialist consultations.
Great Value For:
- • Young professionals
- • Tech-savvy users
- • Budget-conscious individuals
Coverage Details
Hospital Cover
- • Surgery coverage up to $600,000 (Ultimate Health)
- • Non-surgical benefits up to $300,000
- • Cancer treatment and follow-ups
- • Post-hospital home nursing care
- • ACC top-up coverage
Digital Services
- • Online claims portal
- • Mobile app
- • Telehealth consultations
- • Digital health resources
Additional Benefits
- • Non-PHARMAC funded medicines
- • Overseas treatment up to $30,000
- • Health check reimbursement ($100 every 3 years)
- • Specialist consultations and diagnostic tests
- • Public hospital cash grant
Pros & Cons
Pros
- Strong financial rating (A from S&P)
- Comprehensive overseas treatment coverage
- Covers non-PHARMAC funded medicines
- Digital-first services and telehealth
Cons
- Pricing varies significantly based on age and risk factors
- Premium costs increase with age and BMI
- Annual premiums cost less than monthly payments
Customer Reviews
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Contact nib
Phone
0800 123 642
Website
www.nib.co.nz
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