Disclosure V3
Disclosure V3
Aynsley and Associates response to COVID-19
Aynsley and Associates response to COVID-19
Aynsley and Associates response to COVID-19
Aynsley and Associates response to COVID-19
nib Group Medical Information Page
You're Covered With Powell Fenwick
As a valued member of the PFC team, you are provided with a fully subsidised medical insurance offering. This program is incredibly valuable and ensures you can stay on top of your health when you need it most.
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There is a three-month window of opportunity from your policy start date to 'modify' your policy - add extra benefits and/or family members. We encourage you to work with the team at Aynsley and Associates to process the additions of any options that you may want to add (family members included). This webpage has been designed to provide information on nib's Premier Health product, how to make a claim, adding benefits/family, and more.
Make changes to your policy - three months from your policy start date
There is a window of opportunity for policyholders to modify their policy and/or add additional family members with no underwriting and cover for all eligible pre-existing conditions. The add-ons available are:
Adding immediate family members (with cover for pre-existing conditions).
Adding additional policy options. These include GP cover, dental & optical cover, pro-active health, and more. Click here to read more about the additional benefits.
Buydown your excess. If you expect to make a few claims then this could be of interest to you.
Add on non-PHARMAC cover. Click here to read about the importance of this cover under our current healthcare system.
There is a quote tool below to provide an indicative cost for adding family and/or options. There is also an embedded Microsoft form to capture information if you are willing to progress with any changes. Please note, the direct debit payment must match the rest of the group, being the 20th of the month.
Benefit Summary
nib's Premier Health Policy
PFC is providing staff members with 5+ years of service with nib's Premier Health Business Policy with $1,000 excess.
Comprehensive Cover. Up to $300k for surgical cover, $200k medical cover, Cancer treatment & specific major diagnostics.
Immediate pre-existing conditions cover (excluding general exclusions, and Serious Condition Lump Sum option).
Non-Pharmac Cover. Allows staff to access cover for Medsafe approved 'super-drugs' up to $300k.
Extension of concessions to immediate family members of employees, when added within 90 days of policy commencement or marriage.
Ability to modify policy with additional benefits. Select from a range of excess levels and options. Underwriting may apply.
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
Hip and knee surgeries
Sinus and nasal surgeries
GP minor 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
Benefits Provided
5+ years service
Base plan with $1,000 excess
Quote Tool - rates effective 15 July 2025
1. Modify Own Cover
2. Add a Partner?
3. Add Children (under 21)
Additional Options
Additional Options
Additional Options
Your Quote Will Appear Here
How Do I Make Changes?
1
Determine What Options/People You Want to Add
Refer to your policy certificate from nib for your current benefits, then use the Quote Tool & 'Additional Benefits' resources to determine what options and/or family you wish to add. You can access your policy information here.
3
Complete a Direct Debit Form
Upon completion of the Option Form, we will send you a virtual form to complete. Nib will then process the additions and send an updated certificate. If you already have a direct debit loaded with nib then you can ignore this step.
How Do I Make Changes?
Cost of Private Heathcare
Cost of Private Heathcare
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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The excess is payable once per person per policy year.
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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.
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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.
​
How do I lodge a claim with nib?
​
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, the easiest way to lodge a claim is via their website or app (MyNIB), and everything you need to know can be found here. If you need a claim escalated or checked, then please reach out to us.
​
Does nib have any additional support programs?
​
Yes - you can read about these here: https://health.nib.co.nz/health-management-programmes
​
FAQs
​
What is an excess?
​
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.
​
The excess is payable once per person per policy year.
​
How long do I have to make changes to my policy?
​
You have 90 days from your policy start date to make changes without the need for underwriting.
​
​
Why health insurance?
​
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.
​
How do I lodge a claim with nib?
​
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, the easiest way to lodge a claim is via their website or app (MyNIB), and everything you need to know can be found here. If you need a claim escalated or checked, then please reach out to us.
​
Does nib have any additional support programs?
​
Yes - you can read about these here: https://health.nib.co.nz/health-management-programmes
​