At nib, we know that life can be unpredictable. That's why our health insurance is designed to be easy to use, affordable, and flexible so you get cover that suits your needs. Our aim is to support you with insurance claims while also being a true partner on your health journey.
nib offers the following products on www.lifedirect.co.nz
Our insurance products
Ultimate Health Max and Ultimate Health
Through LifeDirect, we offer our two most comprehensive and flexible private health insurance policies: Ultimate Health Max and Ultimate Health.
These policies offer cover and protection for a wide range of health treatments and the costs that go with them. Both products cover treatment for a range of serious medical conditions as well as treatment for many of the more common, everyday health problems you might experience.
Some highlights of Ultimate Health Max and Ultimate Health:
- You can choose a health specialist or provider you trust and if you need treatment, when and where you receive it.
- Our additional options let you mix and match different types of cover to meet individual needs.
- You can add family members to your policy at any time.
- You can insure your children or grandchildren on their own, even if you don't have cover for yourself.
To learn more about Ultimate Health Max and Ultimate Health, click here.
Easy Health
We also offer our Easy Health policy through LifeDirect. It provides cover for major treatments and procedures in private hospitals, including many of the costs associated with these treatments.
Some highlights of Easy Health:
- It covers some pre-existing conditions after a period of three years. This can be important if you have had health issues in the past as they may be able to be covered in the future. There are some pre-existing conditions that are permanently excluded.
- Our additional options let you mix and match different types of cover to meet individual needs.
- You can add extra family members to your policy at any time.
- You can insure your children or grandchildren on their own, even if you don't have cover for yourself.
Unlike Ultimate Health Max and Ultimate Health, Easy Health offers cover for some pre-existing conditions. Very few health insurance products provide this type of cover which can make it harder to compare side by side with other insurers.
To learn more about Easy Health, click here
Flexible options that work for you
We know that being able to tailor your cover matters, so nib offer an additional non-PHARMAC option as well as a range other additional cover options.
non-PHARMAC Plus Option
The New Zealand health system funds certain drugs through PHARMAC, significantly reducing their cost, but not all drugs that are Medsafe approved are funded.
Our non-PHARMAC Plus option increases your cover for the cost of Medsafe-approved drugs that are not funded by PHARMAC so they can be part of your treatment without added expense to you. You can choose from the following levels of cover: $20,000, $50,000, $100,000, $200,000, $300,000.
See policy document for further information. Terms, conditions and exclusions apply.
This option is only available under Ultimate Health Max and Easy Health. If you are considering Ultimate Health and are wanting additional non-PHARMAC cover then you should consider Ultimate Health Max first.
Other options you can add to your cover (depending on the plan you choose):
- Specialist Option
- Serious Condition Financial Support Option
- Proactive Health Option
- GP Option
- Dental & Optical Option
Looking out for our members
At nib, we also look for additional ways to help our members on their health journey. Here are some examples of these additional benefits:
- Complementary mental health cover
For the first year of your Ultimate Health or Ultimate Health Max policy, claim up to $2,500, for each person covered, for mental health treatments. We cover registered psychologist and/or psychiatrist consultations, with an approved GP referral.
- Specsavers offer
nib members get 25% off the total price of a pair of glasses and lens option, plus a free OCT scan. Offer is subject to change.
- Easy digital access with my nib
Our my nib app makes it easy to view your policy details, get pre-approvals and make or track claims, 24/7.
Want to know more?
All of the products and offers above are available to you here at LifeDirect. If you would like to know more about nib and the health insurance cover we offer, click here to get in touch.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.
