Wellbeing One vs Ultimate Health Max: ACC interaction
In NZ, ACC covers accidental injury and treatment-injury costs. Health insurance generally excludes ACC-covered events but most policies offer an ACC Top-Up benefit for any shortfall. This page summarises each insurer's ACC interaction rules verbatim.
Southern Cross Wellbeing One
Wording effective 2026-04-01
The Wellbeing plans do not provide cover for healthcare services related to an accident, treatment injury, or work-related gradual process injury that ACC is legally responsible for. Where ACC does not pay the full amount charged, the insured may claim the shortfall under the 'Accident and treatment injury top-up' benefit, subject to the policy limits and conditions of the relevant benefit. The insured must do everything reasonably possible to obtain ACC approval for payment, including signing all necessary documents to enable Southern Cross to protect any ACC entitlement.
nib Ultimate Health Max
Wording effective 2018-12-23
Not on file for this product.
Source: https://www.nib.co.nz/Documents/Document/UltimateHealthMaxPolicyDocument20170701.pdf