$300,000 surgical cover per person each year.

Surgery in a private hospital. Includes costs for:

• Surgeon’s operating fees.
• Anaesthetist’s fees.
• Intensivist’s fees.
• Hospital accommodation (e.g. the admitted patient’s bed, a private room, excludes suites).
• Operating theatre fees.
• Surgically implanted prosthesis (in line with the prosthesis schedule).
• Laparoscopic disposables.
• In-hospital X-ray examination and ECG.
• Intensive post-operative care and special in-hospital nursing.
• In-hospital post-operative physiotherapy.
• Ancillary hospital charges (e.g. dressings, sutures, needles, bandages)
• In-hospital pharmaceutical prescriptions (in line with the PHARMAC Pharmaceutical Schedule A to H).

Covers costs for and relating to cancer treatment, including:

• Chemotherapy.
• Radiotherapy.
• Brachytherapy.
• Hospital accommodation (i.e. the admitted patient’s bed and a private room if available).
• In-hospital X-ray examination and ECG.
• Intensive post-operative care and special in-hospital nursing.
• In-hospital post-operative physiotherapy.
• Ancillary hospital charges (e.g. dressings, sutures, needles, bandages).
• In-hospital pharmaceutical prescriptions (in line with the PHARMAC Pharmaceutical Schedule A to H).

Covers the difference in cost between what ACC pays for a physical injury and the actual costs of surgery or medical treatment.

Covers the the cost of the following diagnostic investigations after referral by a GP or registered specialist, even when the insured person has not been, or will not be, hospitalised for treatment.

• Arthroscopy
• Capsule endoscopy
• Colonoscopy
• Colposcopy
• CT Scan
• CT Angiogram
• Cystoscopy
• Gastroscopy
• MRI Scan
• Myelogram
• PET Scan

No limit per diagnostic investigation. No limit on the number of diagnostic investigations each year

Covers home nursing care up to six months after hospitalisation.

Pay up to $150 each day and $6,000 each year.

Road ambulance to and from a public hospital or an approved private hospital to another approved private hospital.

We cover the cost of all premiums on the policy for up to two years if a policyowner dies before age 70.

Minor surgery performed by a GP. Not limited to skin lesion surgery.

Pay up to $1500 each year.

Varicose vein surgery performed by a registered specialist or medical practitioner who is registered with the Medical Council of New Zealand and a fellow of the Australian College of Phlebology. Not limited to leg varicose veins.

No limit on each procedure. No limit on the number of procedures.

Provides a cash payment when you are admitted to a public hospital in New Zealand for three or more consecutive nights.

Pay up to $300 each night for the third and each subsequent night and up to $3,000 each year.

Accommodation costs for a parent or legal guardian accompanying an insured person under age 20 (inclusive) who is being treated in an approved private hospital.

Pay up to $200 each night, and up to $3,000 per hospitalisation.

Covers treatment and travel costs when treatment cannot be provided at all in New Zealand and the Ministry of Health provides only partial funding, but that funding does not cover the full cost.

Cover up to $20,000 each overseas visit.

Intravitreal injections administered by a registered specialist and the cost of drugs administered (in line with the PHARMAC Pharmaceutical Schedule A to H).

Pay up to $3,000 per year.

After two years of continuous cover, covers the cost of a male or female sterilisation as a means of contraception.

We pay up to $1,000 per procedure.

Provide a lump sum payment of $30,000 if an insured person dies due to a medical misadventure.

Following a mastectomy, we cover the cost of reconstruction of the affected breast and/or reduction of the unaffected breast to achieve breast symmetry.

Oral surgery in a private hospital performed by a registered oral or maxillo-facial surgeon.

Covers for removal of unerupted or impacted teeth (e.g. wisdom teeth) when performed by a registered oral or maxillo-facial surgeon, or a registered dentist. A 12-month waiting period applies.

Registered specialist consultation and diagnostic investigation following cancer treatment.

Covers one registered specialist consultation, and one diagnostic investigation each year. We pay up to $3,000 each year for up to five consecutive years.

Covers medical treatment (not involving surgery) in an approved private hospital in relation to a medical condition (e.g. heart disease, asthma, pneumonia or diabetes).

Also cover the cost of associated intensive nursing care, X-rays, disposables and consumables, dressings and in-hospital pharmaceutical prescriptions (in line with the PHARMAC Pharmaceutical Schedule A to H).

Covers physiotherapy up to six months after hospitalisation.

Pay up to $750 per hospitalisation.

Travel and accommodation costs for you and an accompanying support person when you need to travel further than 100km from where you live for treatment.

Pay up to $8,000 each year.

After 12 months of continuous cover, you can put your cover on hold for up to six months due to unemployment, or up to 24 months for travel outside New Zealand.

Provide a cash payment of $5,000 if an insured person dies between the age of 16 and 64 (inclusive), from any cause.

Skin lesion surgery performed by a registered specialist.

Pay up to $6,000 each year.

Covers the cost of registered specialists and vocational GP consultations up to six months prior to admission to an approved private hospital and up to six months after being discharged from that private hospital in relation to a medical condition where the consultation directly relates to the medical condition (not limited to surgical conditions).

No limits on each consultation. No limit on the number of consultations.

Covers diagnostic investigation up to six months before and six months after admission to an approved private hospital for a medical condition.

No limits each diagnostic investigation. No limit on the number of diagnostic investigations.

Includes osteopathic and chiropractic treatment, speech and occupational therapy, and dietician consultations up to six months after hospitalisation.

Pay up to $250 for each hospitalisation, with no limit per treatment / consultation.

Covers costs for treatment undertaken in an approved private hospital in Australia.

Pay up to 100% of the cost that would be payable in New Zealand for treatment performed in New Zealand.

Treatment by an obstetrician of a medical condition that is affecting or may affect a pregnancy.

Pay up to $2,000 for each pregnancy.

Provides you with a reimbursement every three years of continuous cover to help proactively take care of your health through a check-up with a GP.

Pay up to $100 every three years per insured person aged 21 or over.

Cover for non-PHARMAC chemotherapy drugs that are Medsafe approved for the treatment of cancer. We pay up to $20,000.