IVF and Assisted Reproduction Cover in NZ Health Insurance
IVF, infertility treatment, and assisted reproduction are excluded from virtually every NZ retail health insurance policy. This page documents each insurer's stance verbatim.
Source: each insurer's current policy wording PDF (linked inline). Last refreshed 2026-05-29.
AA Health
AA Health Everyday Cover
Wording effective 2026-05-16 · extraction confidence inferred ·
JSON ·
Markdown
Assisted reproduction is explicitly excluded under the Reproductive Health exclusion category. IVF is not covered.
AA Private Hospital Cover
Wording effective 2023-10-01 · extraction confidence inferred ·
JSON ·
Markdown
Excluded. Assisted reproduction and infertility are listed as general exclusions under the Reproductive Health category.
AA Private Hospital + Specialist Cover
Wording effective 2026-05-16 · extraction confidence inferred ·
JSON ·
Markdown
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.
Accuro
KidSmart
Wording effective 2026-05-16 · extraction confidence inferred ·
JSON ·
Markdown
Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded.
SmartCare
Wording effective 2026-05-16 · extraction confidence inferred ·
JSON ·
Markdown
Treatment, investigation, and diagnosis of infertility and assisted reproduction are specifically excluded.
SmartCare+
Wording effective 2026-05-16 · extraction confidence inferred ·
JSON ·
Markdown
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).
SmartStay
Wording effective 2026-05-16 · extraction confidence inferred ·
JSON ·
Markdown
Excluded. 'Treatment, investigation, and diagnosis of infertility and assisted reproduction' is a listed general exclusion under the Obstetrics and gynaecology exclusions.
StaffCare
Wording effective 2026-05-16 · extraction confidence verified ·
JSON ·
Markdown
Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded.
AIA
nib
Easy Health
Wording effective 2019-12-19 · extraction confidence unknown ·
JSON ·
Markdown
Not on file for this product.
Source: https://www.nib.co.nz/Documents/Document/EasyHealthBrochure.pdf
Ultimate Health
Wording effective 2019-12-19 · extraction confidence unknown ·
JSON ·
Markdown
Not on file for this product.
Source: https://www.nib.co.nz/Documents/Document/UltimateHealthBrochure.pdf
Ultimate Health Max
Wording effective 2018-12-23 · extraction confidence unknown ·
JSON ·
Markdown
Not on file for this product.
Source: https://www.nib.co.nz/Documents/Document/UltimateHealthMaxPolicyDocument20170701.pdf
Southern Cross
KiwiCare
Wording effective 2026-04-01 · extraction confidence verified ·
JSON ·
Markdown
We don't cover any costs related to infertility or assisted reproduction.
RegularCare
Wording effective 2026-04-01 · extraction confidence verified ·
JSON ·
Markdown
Infertility or assisted reproduction is explicitly excluded: 'We don't cover any costs related to infertility or assisted reproduction.'
UltraCare
Wording effective 2026-04-01 · extraction confidence inferred ·
JSON ·
Markdown
Infertility or assisted reproduction is explicitly excluded: 'We don't cover any costs related to infertility or assisted reproduction.'
Wellbeing Modules
Wording effective 2026-04-01 · extraction confidence low ·
JSON ·
Markdown
Not on file for this product.
Wellbeing One
Wording effective 2026-04-01 · extraction confidence inferred ·
JSON ·
Markdown
We don't cover any costs related to infertility or assisted reproduction.
UniMed
Health Positive
Wording effective 2016-01-22 · extraction confidence unknown ·
JSON ·
Markdown
Not on file for this product.
Hospital Select
Wording effective 2018-01-25 · extraction confidence unknown ·
JSON ·
Markdown
Not on file for this product.
ParentStay
Wording effective 2025-10-01 · extraction confidence inferred ·
JSON ·
Markdown
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.
Source: https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/ParentStay-Health-Plan-2025.pdf
UniCare Advantage
Wording effective 2025-08-01 · extraction confidence low ·
JSON ·
Markdown
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
Machine-readable version
Same content as plain text: /api/topic/ivf-and-assisted-reproduction/summary.md
Per-product JSON facts: see llms.txt for the full endpoint list.
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