Previously EBS Health Care

Who can join?

An applicant for cover must be a financial member of, or be employed by one of the following organisations:

• TEU Tertiary Education Union

• NZEI NZ Educational Institute (Inc)

• PPTA Post Primary Teachers Association (Inc)

• TIASA Tertiary Institutes Allied Staff Association (Inc)

• PSA NZ Public Service Association (Inc) 

• ISEA The Independent Schools Education Association Inc.

The Subscriber must advise HealthCarePlus of any change to union status.

Any employee in, or former employee of, a participating union relevant to that employment is also eligible for admission.

These people CANNOT join HealthCarePlus

Any person who is not a financial member of, or employed by a Member organisation (unless linked through ‘Family/Whanau’ Membership); and employees in private schools or institutions.



The Subscriber must register a partner and/or children and pay the appropriate subscription in order to apply for benefits for them. A parent or other adult who is not recognised as the Subscriber’s partner, cannot be registered as a partner for the purpose of obtaining benefits as a family. Registered dependant children are eligible for benefits up to the end of the year in which they become 21*, i.e. to 31 December in any year. Note: students, although living with a parent, may be eligible for the Community Services Card and this should be used where appropriate before claiming HealthCarePlus benefits.

*Over 21 year olds may continue to enjoy HealthCarePlus benefits by moving to a non-union Member premium rate policy. To discuss these options, call 0800 800 441, or 04 802 4200 (Monday – Friday 8 am to 4.30 pm).


Special Membership categories

The Board may admit applicants who do not meet the above requirements as follows: 

Trainee Teachers

Trainee teachers need to provide an annual declaration that they still qualify for and are a current member of a participating union.  If not, their membership will terminate at the end of the period when they no longer met the eligibility requirements of their qualifying union.  Trainee Teachers qualify for union member rates.


Family or Whanau is defined as a family member residing in the household of a HealthCarePlus Subscriber, or an ex-partner of a Subscriber, or a child of a Subscriber who is over 21 years of age. The HealthCarePlus Subscriber must be a financial member of, or be employed by a participating union. Such a person, who is linked as Family/ Whanau, can be a HealthCarePlus Member by paying for the policy under their own name at a non-union rate.


Payment of Premiums

The level of premiums (or contributions) is set by the Board of HealthCarePlus from time to time and is reviewable without reference to Subscribers.

Subscribers will be notified in writing within 10 Business Days of changes made to the level of premiums (or contributions).

If you are in the education sector payment can be made by fortnightly salary deductions.

Note; Salary deduction is not available for PSA members, or anyone not in the education sector, ie; Family/Whanau, Trainee Teachers.

Fortnightly, monthly and annual direct debit options are available to all Members. Currently, we are unable to accept credit or debit card payments.

Fortnightly direct debits are deducted every second Wednesday in conjunction with HealthCarePlus payroll dates. Monthly and annual direct debits are deducted on the first business day of the month. 

Premiums received by HealthCarePlus may not be refunded. 




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Managing your Membership
Continuing your Membership when circumstances change ...

Life can be unpredictable so it’s good to know that
HealthCarePlus has options that enable you and
your family to maintain your Membership when your
circumstances change.
These life events can include:
• Starting a family
• A change in career
• Travelling overseas for an extended period
• Marriage break-ups and new relationships
• Children reaching 21
• Retirement
HealthCarePlus Members and their families
can continue their coverage, when their circumstances
change, and they are no longer Members of a qualifying
union. They will simply move to the non-union Member premium rate.
In order to continue to enjoy lower premiums
some Members may elect to remain in their union,
through associate union Membership. Please contact
HealthCarePlus on 0800 800 441, or 04 802 4200
(Monday – Friday, 8 am – 4.30 pm).

Honorary/Associate or Retired Member

Subscribers can continue paying contributions to
HealthCarePlus provided they either:
• become an Honorary or Associate Member of
a participating union or,
•  they may choose to continue as a non-union Subscriber and pay the non-union Member premium rate.

Relieving Teacher/Support Staff

Irregular salary payments make it impossible for some
Subscribers to maintain their eligibility for HealthCarePlus
benefits. Long-term relievers are also disadvantaged
when salary ceases at vacation time. To ensure
continuous eligibility for benefits, subscriptions can be
paid in advance or by regular monthly direct debits.



Leave Without Pay

Where leave without pay has been approved for a specific period up to 12 months, a Subscriber may pay HealthCarePlus premiums for the full period in advance before leave commences or may choose to pay monthly by bank direct debit if leave is more than 6 months.

Subscribers who do not pay in advance to cover periods of approved leave without pay must re-serve the requisite Waiting Periods when payments to HealthCarePlus resume (except for those Members who have suspended Membership whilst overseas).

Overseas Suspension of Membership

HealthCarePlus Membership can be suspended for a maximum period of 12 months if a Subscriber is travelling overseas for three months or more. Written/Email confirmation is required.  

Waiting Periods for benefits must be re-served after any break in the payment of premiums (except for those Members who resume within 12 months of the start of approved sick leave without pay/have suspended Membership whilst overseas).

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