Benefit: Up to $750

Cover for any surgery performed by a GP, including one pre and one post consultation and any related biopsy.

Benefit: Up to $750

Cover for any surgery performed by a GP, including one pre and one post consultation and any related biopsy.

Cover for the difference in costs between what is paid by ACC for an injury and the actual costs.

We pay up to the Surgical or Non-Surgical Benefit limit (whichever applies).

Cover for the difference in costs between what is paid by ACC for an injury and the actual costs.

We pay up to the Surgical or Non-Surgical Benefit limit (whichever applies).

Cover for reparative treatment for any injury that occurs during treatment we’ve paid for that isn’t covered by ACC.

We pay up to the Surgical or Non-Surgical Benefit limit (whichever applies).

Cover for reparative treatment for any injury that occurs during treatment we’ve paid for that isn’t covered by ACC.

We pay up to the Surgical or Non-Surgical Benefit limit (whichever applies).

Cover for road ambulance transfer from a public or private hospital to the closest private hospital.

We pay up to the Surgical or Non-Surgical Benefit limit (whichever applies).

Cover for road ambulance transfer from a public or private hospital to the closest private hospital.

We pay up to the Surgical or Non-Surgical Benefit limit (whichever applies).

Benefit: Up to $500

Cover for physiotherapy consultations and treatment up to six months after discharge from private hospital.

TIP: This benefit has a higher limit on Premium Hospital than Standard Hospital. See below.

Benefit: Up to $750

Cover for physiotherapy consultations and treatment up to six months after discharge from private hospital.

Benefit: Up to $2,500

Cover for skin lesion surgery performed by a specialist.

TIP: This benefit has a higher limit on Premium Hospital than Standard Hospital. See below.

Benefit: Up to $6,000

Cover for skin lesion surgery performed by a specialist.

Benefit: Up to $6,000

Cover for surgery performed by a podiatric surgeon under local anaesthetic, including up to one pre and one post-surgery consultation and related x-rays.

Benefit: Up to $6,000

Cover for surgery performed by a podiatric surgeon under local anaesthetic, including up to one pre and one post-surgery consultation and related x-rays.

Benefit: Up to $1,000*

Cover for accommodation costs for a parent or legal guardian accompanying an insured person age 20 and under who is being treated in a private hospital.

*We pay up to $200 per night for parent or legal guardian accommodation, up to a maximum of $1,000.

TIP: This benefit has a higher limit on Premium Hospital than Standard Hospital. See below.

Benefit: Up to $3,000*

Cover for accommodation costs for a parent or legal guardian accompanying an insured person age 20 and under who is being treated in a private hospital.

*We pay up to $200 per night for parent or legal guardian accommodation, up to a maximum of $3,000.

Cover for pre-existing conditions (except congenital conditions) for dependent children when added to the policy within four months of birth.

Cover for pre-existing conditions (except congenital conditions) for dependent children when added to the policy within four months of birth.

Benefit: Up to $3,000

We provide a payment if an insured person dies between the age of 16 and 64 (inclusive).

Benefit: Up to $3,000

We provide a payment if an insured person dies between the age of 16 and 64 (inclusive).

Benefit: Up to $150 after each 24 month period of continuous cover

Waiting Period:

This benefit is payable if no claims were paid in the preceding 24 month period.

Reimbursement towards the following:

• membership of a gym or sports club; or
• sports/fitness equipment purchased from a sporting retailer.

TIP: This benefit has a higher limit on Premium Hospital than Standard Hospital. See below.

Benefit: Up to $300 after each 24 month period of continuous cover

Waiting Period:

This benefit is payable if no claims were paid in the preceding 24 month period.

Reimbursement towards the following:

• membership of a gym or sports club; or
• sports/fitness equipment purchased from a sporting retailer.

Cover for the costs of premiums for remaining people on the policy if the policy owner dies before age 70. We pay for up to 2 years or until any remaining people on the policy turn 70.

Cover for the costs of premiums for remaining people on the policy if the policy owner dies before age 70. We pay for up to 2 years or until any remaining people on the policy turn 70.

Waiting Period:

12 months

You can put your cover on hold for:

• Up to six months due to unemployment or redundancy; or
• Up to 24 months for travel or residence out New Zealand; or
• Up to 12 months for parental leave.

Waiting Period:

12 months

You can put your cover on hold for:

• Up to six months due to unemployment or redundancy; or
• Up to 24 months for travel or residence out New Zealand; or
• Up to 12 months for parental leave.

Benefit: Up to $20,000*

Cover for non-PHARMAC chemotherapy and immunotherapy medicines that are Medsafe approved for the treatment of cancer.

Benefit: Up to $1,500 per pregnancy

Waiting Period:

12 months

Cover for the cost of treatment by an obstetrician. We cover treatment that happens during pregnancy, but we don’t cover IVF, caesarean sections, treating ectopic pregnancies or public hospital admissions.

Benefit: Up to $3,000

Cover for intravitreal eye injections administered by a specialist, after referral by a GP or specialist.

Benefit: Up to $250

Cover for the cost of the following up to six months after being discharged from private hospital:

• osteopathic treatment.
• chiropractic treatment.
• sports physician treatment.
• speech therapy.
• occupational therapy; and
• dietitian consultations.

Benefit: Up to $6,000*

Cover for the cost of home care for up to 6 months after being discharged from private hospital.

*We pay up to $150 per day for home care, up to a maximum of $6,000.

Benefit: Up to $1,000 per lifetime

Waiting period:

Two years

Cover for the cost of male or female sterilisation as a means of contraception.