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nib Group Medical Information Page

You're Covered With Powell Fenwick

As a valued member of the Powell Fenwick team, Aynsley and Associates are excited to announce a fully subsidised health insurance program for staff with 5+ years of service. This program is incredibly valuable and ensures you can stay on top of your health when you need it most. 

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This webpage has been designed to provide information and quote indications for adding additional benefits and/or immediate family members.

Benefit Summary

nib's Premier Health Policy 

Immediate pre-existing conditions cover (excluding general exclusions, and Serious Condition Lump Sum option).

Modify policy with additional benefits. Select from a range of excess levels and options to implement a policy that's best fit for your family.

Waived stand down periods on GP, Dental & Optical and Specialist Options when added within 90 days of policy commencement.

Comprehensive Cover. Up to $300k for surgical cover, $200k medical cover, Cancer treatment & specific major diagnostics.

Extension of concessions to immediate family members of employees, when added within 90 days of policy commencement or marriage.

Purchase Non-Pharmac Cover. nib's recent addition allows people to purchase cover for Medsafe approved 'super-drugs' up to $300k.

Procedures Covered

Examples of procedures covered under nib's premier health policy. Refer to the policy document for full T&Cs.

Cancer surgeries and treatment (chemotherapy and radiotherapy)

Heart surgery

Sinus and nasal surgeries

GP minor surgeries

Hip and knee surgeries

Non-surgical hospitalisation e.g. asthma

Skin lesion surgeries

Extraction of wisdom teeth

Appendix surgery

Specific major diagnostic tests

Tonsil, adenoids and grommets

And many more

Modify Your Policy

Want to add a partner and/or children (under 21) to your policy? Want to add additional benefits or reduce your excess amount? Fill in the form below and Aynsley and Associates will be in touch with a range of options. In order to make changes to your policy, nib requires the completion of a direct debit form and an email - it's that easy. 

FAQs

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What is an excess?

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Just like with your car or home insurance, an excess is a contribution you’re required to pay towards a Hospital claim you make on your policy. It’s paid directly to the hospital when you’re admitted for treatment. The higher the excess, the lower the monthly premium.

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How long do I have to make changes to my policy?

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You have 90 days from your policy start date to make changes without the need for underwriting. Your acceptance certificate mentions your policy start date. 

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How does this nib policy compare to other policies in the market?

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nib's Premier Health Policy is a very well-rated policy in the current market - our independent research provider has allocated it a core score of 94/100. However, the key point is that pre-existing conditions are covered under this policy, which is extremely rare in the market. This policy matrix illustrates how nib's policy is rated against the current insurance market.

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Why health insurance?

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The public health system in New Zealand offers free or low cost treatment at public hospitals for Kiwis, but high demand and the rising cost of providing healthcare creates challenges.

  • If you need non-urgent treatment, you might be put on a waiting list which can lead to stress and uncertainty. How long you wait may depend on the severity of your condition.

  • If your condition is not accident-related, treatment costs won’t be covered by ACC (the Accident Compensation Corporation).

  • You may have less control over when and where you are treated.

 

That’s where private health insurance comes in.

  • You have the choice of private treatment and surgery without relying on the public health system.

  • You can choose who you see and when you are treated.

  • Faster treatment means you can get back on your feet quicker, whether that be for work or play.

  • You have peace of mind as your health insurer will cover approved costs for expensive private treatments and surgeries.

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How do I lodge a claim with nib?

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With medical insurance, it's best practice to seek pre-approval for upcoming consultations/procedures. This ensures you're covered ahead of time. With nib, there are two ways of lodging a claim - the first is via the website or app, and everything you need to know can be found here. If you prefer filling in a form, then the second method is via nib's claim form. Once completed, send this form to hello@aynsley.co.nz and we will lodge with this nib.

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