Hospital Select

As a bonus of joining the HealthCarePlus Hospital Select Plan, UniMed provides cover for many pre-existing conditions after you have been insured in the scheme for 3 years. As part of their offer they will provide details as to any conditions that they will provide cover for after 3 years and any serious medical condition that will be excluded for the life of the policy.

What is a pre-existing Condition?

1.    A pre-existing condition is a health or medical condition that was in existence on or before the person’s Cover Start Date.
2.    At that time the person: 

•  May have known about the condition; or
•  May not have known about the condition, but did know of a health history or symptoms which could have indicated the possible existence of the condition to a medical practitioner. 

If any of these conditions are developed after joining the HCP Hospital plan they would be fully covered subject to the normal terms and conditions of the plan.

However, there are some pre-existing conditions that are permanently excluded for the life of the scheme; (Cardiovascular/vascular related conditions, Conditions that may result in the requirement for joint replacement surgery, musculoskeletal conditions including injuries, Cancer, Gynaecological disorders).

Covers the costs associated with surgical treatment, including surgeons’ and anaesthetists' fees, private hospital costs, intensive care, recovery nurse, post operative physiotherapy fees and emergency ambulance for hospital admission, surgically implanted protheses and laparoscopic disposables.

Benefit maximum: up to $300,000 per year

If done by registered medical specialists and not requiring general anaesthetic, including preceding consultation and performed in specialist rooms. Otherwise lower limits apply.

Benefit maximum: up to $300,000 per year

All Oral Surgery performed by a Registered Oral Surgeon excluding, under all benefit categories, the extraction or surgical removal of teeth, implantation of teeth or costs of titanium implants. Wisdom tooth extraction including the removal of un-erupted or impacted wisdom teeth, including all associated costs.

Benefit maximum: up to $300,000 per year

Cover is provided for Non Acute Medical Hospitalisation (Excludes Psychiatric /Geriatric) in a Licensed Private Hospital, on admission and under the care of a Registered Medical Practitioner.

Benefit maximum: up to $65,000 per year

Home Nursing by a Registered Nurse, following surgery in a Private Hospital on referral from a Registered Medical Practitioner.

Benefit maximum: up to $6,000 per year

When admitted to Public Hospital for a full 24 hours or more. Child Benefit - 50% of above. (All injury admissions excluded)

Benefit maximum: up to $1,500 per year

Includes: Specialist Oncologist, Oral Surgeon, Consulting Physician/Paediatrician, X-rays, Mammograms, Ultrasounds.

Waiting period: 6 months prior & 6 months after surgery

Benefit maximum: Benefit maximum apply

Includes: CT Scan, MRI Scan & PET Scan, Cardioversion, Myocardial Perfusion Scan, Scintigraphy, Surgical imaging - colonoscopy and gastroscopy.

Benefit maximum: Benefit maximum apply

Includes: Consultations (6 months prior and 6 months after surgery), Diagnostic tests, Surgery, Radiation oncology, and chemotherapy (included in this benefit is cover for Non-PHARMAC chemotherapy drugs that are Medsafe approved for the treatment of cancer, up to a maximum of $10,000 per annum.)

Benefit maximum: Benefit maximum apply

Includes:

• Overseas surgery: a grant is payable of 75% of usual and customary charge for the identical procedure in New Zealand.
• Obesity surgery grant: a one-time grant is payable of 50% of actual costs up to the benefit limit.

Waiting period: Benefits apply after five years' continuous membership in this plan.

Benefit maximum: Benefit maximum apply

• Upon death by natural causes prior to age 60 of any member paying the adult contribution rate the surviving spouse and/or qualifying dependents named on the policy will receive two years free coverage at the benefit levels applying at the date of death.
• Upon death by natural causes prior to age 65 of any person on the policy a grant towards funeral costs is $2,400.

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