Mid Private Hospital Cover Plus

Mid Private Hospital Plusfrom $6.81/week*

What is it?

Step up to Mid Private Hospital Cover Plus if you need a little more cover and have some pre-existing conditions you'd like cover for, but don't need all the bells and whistles. This cover provides all the benefits of Basic Private Hospital Cover plus extra cover for conditions that commonly occur in your mid 20's to 40's, like cancer and gynaecology, and cover for most pre-existing conditions after three years**. Awesome!

Click on 'join now' to get started.

Why is it worth it?

  • Easy sign up – no health questions at application
  • Cover for most pre-existing conditions after three years**
  • $300,000 surgical cover per person each year
  • $200,000 cancer cover per person each year
  • Your choice of nil, $250, $500, or $1,000 excess per person each year

What will I be insured for?

  • Conditions

  • Benefits

Covered conditions under this plan

The list of what is and is not covered by each nib cover is called the Hospital Category List (see insurance documents). To save your megabytes, we’ve tabled the details for Mid Private Hospital Cover Plus below for you.

All ACC top-up claims
Hernia, appendix
Anus, haemorrhoids
Oral (excluding orthognathic surgeries)
Unerupted and impacted teeth
Sinus, nose, ears
Ankle, elbow
Circumcision
Tonsils, grommets, adenoids
Skin lesion – GP
Skin lesion – specialist
Digestive tract, liver, kidney, pancreas, gall bladder
Breast, gynaecology, urology
Cancer surgeries and treatment
Shoulder, wrist
Varicose veins
Hip, knee
Heart
Brain, eyes, neck
Gland, vascular
Chest, back
Foot, toe, hands, fingers and thumbs
Non-surgical hospitalisation
 

Benefits of Mid Private Hospital Cover Plus

These benefits apply to the conditions covered by Mid Private Hospital Cover Plus (click on 'Covered conditions')
All benefit limits apply to each person on the policy (just in case you thought you'd have to share!)

Note: this is not the policy document. For all the legal bits, see the Mid Private Hospital Cover Plus policy document under 'insurance documents'.

Surgery
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 G).

Click on 'what's covered' for the list of conditions this benefit applies to.

Oral surgery

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, or a registered dentist. A 12-month waiting period applies.

Cancer treatments
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 G).
Follow-up Investigation for Cancer

Registered specialist consultation and diagnostic investigation following cancer treatment.

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

ACC top up

For claims accepted by ACC, we cover the difference in cost between what ACC pays for a physical injury and the actual costs of surgery.

A one day waiting period applies.

Note: this benefit includes all ACC top up claims, whether or not it relates to one of the conditions covered by Mid Private Hospital Cover Plus.

Specialist consultations

Covers registered specialist consultation, whether or not it relates to surgery or cancer treatment.

We pay for six consultations each year, with no limit for consultations relating to cancer after diagnosis.

Diagnostic investigations

Covers diagnostic investigation when requested by a GP or registered specialist, whether or not it relates to surgery or cancer treatment.

We pay up to $10,000 each year, with no limit for diagnostics relating to cancer after diagnosis.

Post-hospital physiotherapy

Physiotherapy consultation and treatment up to six months after surgery or cancer treatment.

We pay up to $750 each year.

Post-hospital home nursing care

Covers home nursing care up to six months after surgery or cancer treatment.

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

Travel and accommodation

Travel and accommodation costs for you and a support person when you need to travel further than 100km from where you live for surgery or cancer treatment.

We pay up to $5,000 each year.

Ambulance transfer
Road ambulance transfer from a public or private hospital to the closest private hospital.
Suspension of cover
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.
Waiver of premium
We cover the cost of all premiums on the policy for a period of time if a policyowner dies.
Funeral support grant
We provide a cash payment of $3,000 if an insured person dies between the age of 16 and 64 (inclusive), from any cause.
GP minor surgery

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

We pay up to $750 each year.

Registered specialist skin lesion surgery

Skin lesion surgery performed by a registered specialist.

We pay up to $2,500 each year.

Varicose veins surgery

Varicose vein surgery performed by a recognised provider (not limited to leg varicose veins).

We pay up to four surgical procedures over your lifetime.

Non-surgical hospitalisation
Public hospital cash grant
Major diagnostics (not related to hospitalisation)
Parent accommodation
Post-hospital therapeutic care
Overseas treatment
Cover in Australia
Intravitreal eye injections
Obstetrics
Loyalty benefit – sterilisation
Loyalty benefit – wellness
ACC Treatment Injury
Delayed Care
Medical misadventure
Pre-existing cover for newborns
Non-PHARMAC drugs
Premium waiver extension

Insurance documents