• Chemotherapy
• Radiotherapy
• Brachytherapy
• Hospital accommodation (e.g. Admitted Patient’s bed, a private room)
• In hospital X-ray examination and ECG
• Intensive post treatment care and special in hospital nursing
• In hospital post treatment physiotherapy
• Ancillary hospital charges (e.g. dressings, needles, bandages)
• Hospital pharmaceutical prescriptions

We pay up to the Hospital medical benefit limit.

PHARMAC funded chemotherapy drugs for the treatment of cancer at home are covered under the Cancer Treatment at Home Benefit, for which we pay up to $10,000 each year.

Cover for one registered specialist consultation and related investigations following cancer treatment.

We pay up to $3,000 per year for up to 5 consecutive years.

Cover for travel costs for you and a support person, and accommodation costs for a support person when you need to travel further than 100km from where you live for treatment.

We pay up to $200 a night, up to a maximum of $5,000 for both travel and accommodation for each Insured Person every Policy Year.

Cover for non-PHARMAC chemotherapy drugs that are Medsafe approved for the treatment of cancer.

We pay up to $20,000.

• Surgeon’s operating fees
• Anaesthetist’s fees
• Operating theatre fee
• Surgically implanted Prosthesis (in line with the prosthesis schedule)
• In-hospital pharmaceutical prescriptions
• Hospital accommodation (e.g. the admitted patient’s bed, a private room, excludes suites).

We pay up to $300,000.

Cover for the cost of melanoma surgery, performed by a registered specialist in a recognised private hospital.

We pay up to the Hospital surgical benefit limit.

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

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

We pay up to the Hospital surgical benefit limit.

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Cover for registered specialist consultations whether or not it relates to an admission to a recognised private hospital.

We pay up to the Hospital surgical or Hospital medical benefit limit (whichever applies).

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Cover for diagnostic investigations, whether or not it relates to an admission to a recognised private hospital.

For diagnostics** not related to a hospital admission, we cover

• up to $5,000 For CT, MRI and PET scans and
• up to $15,000 for all other diagnostics**

For diagnostic investigations related to a hospital admission we pay up to the Hospital surgical or Hospital medical benefit limit (whichever applies).

Cover for the cost of treatment by an obstetrician. A 12 month waiting period applies.

We pay up to $1,500 per pregnancy.

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

We also cover the cost of associated intensive nursing care, X-rays, disposables and consumables, dressings and in-hospital pharmaceutical prescriptions. In addition, this benefit covers less invasive procedures as an alternative to surgery.

We pay up to the Hospital medical benefit limit.

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

We pay up to $750.

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

We pay up to the Hospital surgical benefit or Hospital medical benefit limit (whichever applies).

Cover for reparative treatment for any injury that occurs during treatment.

We pay up to the Hospital surgical or Hospital medical 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 Hospital surgical or Hospital medical benefit limit (whichever applies).

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Cover for physiotherapy consultations and treatment up to 6 months after admission.

We pay up to $750.

Cover for the cost of varicose vein surgery performed by a recognised provider.

We pay up to the Hospital surgical benefit limit.

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

Cover for skin lesion surgery performed by a registered specialist.

We pay 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.

We pay up to $6,000.

Cover for travel costs for you and a support person, and accommodation costs for a support person when you need to travel further than 100km from where you live for treatment.

We pay up to $2,000 for travel and up to $200 each night for support person accommodation, up to a maximum of $3,000.

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

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

We pay up to $200 each night up to $3,000 each year.

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

We pay up to $3,000.

Cover for pre-existing conditions (except congenital conditions) for dependent children when added to the policy within 4 months of birth.

We provide a $3,000 cash benefit if an insured person dies between the age of 16 and 64 (inclusive).

TIP: This benefit is more comprehensive on Premium Hospital than Standard Hospital, see below.

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

We pay up to $300 after each 24 month period of continuous cover.

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

Cover for the costs of premiums due for up to two years if the policy owner dies before age 65.

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

• Osteopathic treatment
• Chiropractic treatment
• Speech Therapy
• Occupational Therapy; and
• Dietitian Consultations

We pay up to $250.