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 2026-05-16.
Accuro
KidSmart
Wording effective 2026-05-16 · extraction confidence inferred ·
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Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded.
SmartCare
Wording effective 2026-05-16 · extraction confidence inferred ·
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Treatment, investigation, and diagnosis of infertility and assisted reproduction are specifically excluded.
SmartCare+
Wording effective 2026-05-16 · extraction confidence inferred ·
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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 ·
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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 ·
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Treatment, investigation, and diagnosis of infertility and assisted reproduction is explicitly excluded.
AIA
AIA Private Health
Wording effective 2026-05-16 · extraction confidence verified ·
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Infertility treatment is excluded under AIA Private Health Cover: 'Diagnosis, management and treatment of infertility except as specifically provided by the pregnancy, maternity and infertility benefit under AIA Private Health Plus.' Under AIA Private Health Plus, the Pregnancy, Maternity and Infertility Allowance covers 'obstetric care (including scans), infertility diagnosis and treatment carried out by a registered medical practitioner or a specialist at an approved facility,' up to $1,500 per pregnancy, per life assured, per policy year, available only after two years of continuous cover under AIA Private Health Plus. No excess applies. IVF is not explicitly named but infertility treatment is covered under the Plus tier within these limits.
nib
Easy Health
Wording effective 2024-09-20 · extraction confidence inferred ·
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IVF is not covered. Assisted reproduction and infertility are listed as general exclusions under the Reproductive Health category. The High-Risk Pregnancy Benefit specifically states that IVF is not considered a risk factor.
Ultimate Health
Wording effective 2025-11-24 · extraction confidence inferred ·
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IVF is not covered. Assisted reproduction is listed as a general exclusion under Reproductive Health. The High-Risk Pregnancy Benefit explicitly states 'we don't consider IVF to be a risk factor' and infertility is also excluded.
Southern Cross
KiwiCare
Wording effective 2026-04-01 · extraction confidence verified ·
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We don't cover any costs related to infertility or assisted reproduction.
RegularCare
Wording effective 2026-04-01 · extraction confidence verified ·
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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 ·
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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 ·
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Not on file for this product.
Wellbeing One
Wording effective 2026-04-01 · extraction confidence inferred ·
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We don't cover any costs related to infertility or assisted reproduction.
UniMed
Health Positive
Wording effective 2025-08-01 · extraction confidence inferred ·
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Not mentioned in the policy wording; the plan excludes major surgery and hospital visits, and no IVF benefit is described.
Source: https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf
Hospital Select
Wording effective 2025-08-01 · extraction confidence low ·
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IVF cover is not mentioned in the policy wording; it is not listed as a covered benefit.
Source: https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Hospital_Select_Plus_Modules_Plan.pdf
ParentStay
Wording effective 2025-10-01 · extraction confidence inferred ·
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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 ·
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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.