nib Ultimate Health Ultimate Health Max Ultimate Health
nib Ultimate Health™ & Ultimate Health Max™
Ultimate Health™ and Ultimate Health Max™ üOur most comprehensive health insurance policies üAdd your family You can add your family members to your policy A 2. 5% discount off the overall premium if you have more than one person on your policy üChoose your cover Each person on your policy can tailor their own cover by selecting either the Ultimate Health or Ultimate Health Max Base Cover Each person can also choose their own Base Cover excess amount and pick from a range of additional options. üGet peace of mind Both policies are underwritten at the time you apply
How to get started? Then: First: Choose your Base Cover and excess TM TM Ultimate Health or Ultimate Health Max and Choose your Additional Options
nib BASE COVER
BASE COVER Ultimate Health™ Ultimate Health Max™
Ultimate Health™ Key Features ü Up to $300, 000 person each policy year for private hospital surgical costs üUp to $200, 000 person each policy year for private hospital medical (non-surgical) costs, including cover for cancer treatment üSupport during cancer treatments We allocate a dedicated case manager to assess your claims Cover follow-up investigations for up to five years after cancer treatment üCover for specialist consultations and diagnostic tests within six months of admission to a private hospital üCover for specific major diagnostic tests even when it’s not related to private surgical or nonsurgical treatment üUnlimited cover for physiotherapy treatment for up to six months after admission to a private hospital üCover to seek a second opinion with a registered specialist within six months of admission to a private hospital üCover for GP minor surgeries such as mole removal üCover for malignant skin lesion surgery performed by a registered specialist
Ultimate Health™ Key Features üCover for travel and accommodation costs when private surgical or non-surgical treatment is not available within 100 kms of your home üCover for specific diagnostic investigations and treatment costs incurred in Australia üCover for surgery or treatment overseas if it’s not available in New Zealand funding has been declined by the Ministry of Health ü Cover towards the cost of obstetrics care when recommended by your doctor üCover for your baby’s pre-existing conditions (other than congenital conditions) if you add them to your existing policy within four months of birth üCover for parent accommodation if your child (under 21) is hospitalised, whether or not your doctor recommends the support üA wellness benefit – $100 for each adult towards the cost of a health check-up, after every three years of continuous cover üYou can suspend your cover after 1 year of continuous cover in the event of redundancy, unemployment, parental leave, or if you decide to travel outside of New Zealand üWe waive the premiums for everyone covered on your policy for two years if the policy owner dies before the age of 65
BASE COVER Ultimate Health™ Ultimate Health Max™
Ultimate Health Max™ Key Features Everything covered in Ultimate Health™ Base Cover plus the addition of the following: ü Your policy wording is guaranteed üAny favorable future changes will automatically be applied, such as the addition of new benefits and an increase in benefit limits üCover for non-PHARMAC funded drugs which are Medsafe approved but not subsidised by the government üAdditional support when undergoing or recovering from cancer treatment and cardiac surgery Cover towards the cost of a scarf, hat, wig or mastectomy bras during or within six months of cancer treatment Counselling and support services for up to six months after cancer treatment or cardiac surgery
Ultimate Health Max™ üCover Key Features for hospice care when admitted to a hospice for three or more consecutive nights üA one-off payment towards the cost of unilateral breast reduction surgery to achieve breast symmetry post-mastectomy, after 1 year of continuous cover üWe also waive the premiums for everyone covered on your policy for up to six months if the policy owner is diagnosed with a terminal illness before the age of 65
nib Additional Options
Additional Options Specialist Option GP Option Dental and Optical Option Serious Condition Financial Support Option Proactive Health Option
Additional Options Specialist Option GP Option Key features üRegistered specialist consultations: number of visits, including visits Dental andunlimited Optical Option to seek a second opinion üGeneral diagnostics: up to $3, 000 each policy year for costs such as X-rays, arteriograms, ultrasounds, mammography or visual field tests Seriousscintigraphy, Condition Financial Support Option üCardiac investigations: up to $60, 000 each policy year for costs such as cardiovascular ultrasounds, echocardiography and treadmills üSpecialist sports physician treatment: up to Option $500 each policy year Proactive Health
Additional Options Specialist Option GP Option Key features üGP visits: up to $55 for each visit or up to $80 for each home visit, up to 12 GP Dental and Optical Option visits each policy year and up to $200 for each minor surgical procedure üNurse visits: up to $30 each visit, up to six visits each policy year üPrescriptions: up Serious to $15 Condition each prescription, up to $300 each policy year Financial Support Option üPhysiotherapy: up to $40 each visit, up to $400 each policy year üAn Active Wellness Benefit – $150 for fitness equipment or a gym membership, Proactive Health Option
Additional Options Specialist Option Key features GP Option üDental treatment: up to $500 each policy year üEye care: up to $55 each visit, up to $275 each policy year, and up to $330 and Optical Option each policy year for glasses. Dental or contact lenses üEar care: up to $250 each policy year for audiology treatments and up to $250 each policy year for audiometric tests Serious Condition Financial Support Option üSpinal care, joint care, foot care and acupuncture: up to $40 each visit, up to 250 each policy year üSpeech, occupational and eye therapy: up to $40 each visit, up to $300 each Proactive Health Option policy year
Additional Options Specialist Option Key features GP Option üChoice of cover – $20, 000 or $50, 000 üCovers 39 trauma conditions* including strokes, life-threatening cancers and Dental and Optical Option major heart attacks üFree cover for your children under this option üAdditional payment for paralysis to your sum. Option insured amount Serious Conditionequal Financial Support Proactive Health Option
Additional Options Specialist Option Key features GP Option üHealth screening: up to $750 each policy year for costs such as breast screening, prostrate screening, heart screening and mole mapping Dental and Optical Option üAllergy testing and vaccinations: up to $100 each policy year üDietitian or nutritionist consultations: up to $300 each policy year üGym memberships, Serious weight loss management programmes and quit smoking Condition Financial Support Option programmes: up to $100 each policy year üRoutine health check: up to $150 towards the cost of a medical examination by a GP, after two years of continuous cover on Option this option Proactive Health
nib Key difference between Ultimate Health™ & Ultimate Health Max™
Key Difference Benefit limits apply to each insured person every policy year unless otherwise specified. If an excess is chosen, this applies to the base cover only.
nib Personalised Your Cover
An example of cover tailored to a family’s specific needs The example shows how different family members on the same policy can have different Base Covers, Excesses and Additional Options. It means your family health insurance is right for each family member. Importantly it also means you only pay for what the family needs and overall costs are reduced, sometimes significantly.
nib Why nib? Claiming is easy Immediate Cover 14 -day free-look period We’re here to help Excess and Payment options
nib Why you need health insurance? üGreater Choice üFinancial Support üQuicker Treatment üGreater Certainty üLatest Medical Procedures
Speak to your Adviser now.
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