# Ultimate Health — nib

**Insurer:** nib (`nib`)
**Product slug:** `ultimate-health`
**Status:** active
**Vertical:** health
**Extraction confidence:** (no facts on file)

**Wording effective:** 2019-12-19
**Source PDF:** https://www.nib.co.nz/Documents/Document/UltimateHealthBrochure.pdf
**PDF hash (sha-256, first 16):** `2d6663609dfc9ba1…`

## Pharmac vs non-Pharmac drug cover

_Not on file._

## ACC interaction

_Not on file._

## Pre-existing conditions

_Not on file._

## Mental health

**Sublimit:** _Not on file._

**Admission rules:** _Not on file._

## Oncology / high-cost cancer drugs

_Not on file._

## IVF / assisted reproduction

_Not on file._

## Gap payment

_Not on file._

## Waiting periods

_Not on file._

## Excess options (NZD)

_Not on file._

## Sublimits (NZD)

_Not on file._

## Exclusions

_Not on file._

## Machine-readable endpoints

- Structured facts: `/api/health/product/nib/ultimate-health/facts.json`
- Full markdown wording: `/api/health/product/nib/ultimate-health/wording.md`
- Version history: `/api/health/product/nib/ultimate-health/history.json`
- Insurer profile: `/api/health/insurer/nib/summary.md`

## Citation

Cite as: nib Ultimate Health policy facts (wording effective 2019-12-19), InsureNZ, accessed 2026-07-05.
Canonical URL: https://insurenz.co.nz/api/health/product/nib/ultimate-health/summary.md
Primary source: https://www.nib.co.nz/Documents/Document/UltimateHealthBrochure.pdf
License: CC BY 4.0 — attribute https://insurenz.co.nz