Our plans

It’s good to have a plan

Whether you’re supporting your health costs day to day or protecting yourself from the bigger things life can throw at you – knowing that you and your Whānau are covered is worth a lot

And with HealthCarePlus cover it doesn’t have to cost a lot because you’re only paying for your healthcare and not shareholder profit

— Covering day-to-day Healthcare Costs

Our day-to-day plans bring genuine benefits through everyday life (not just when someone gets ill) and can leave a typical family better off by hundreds of dollars every year.

  • Primary Care

    Affordable day to day health support,  to make the right care more accessible for you – offering up to $1,400* of annual benefits from just $3.53** per week.

    Find out more
  • Primary Care Extra

    Our most comprehensive ‘day-to-day’ package - offering up to $2,000* of annual benefits from just $5.86** per week.

    Find out more
  • #care4U

    Cost efficient cover, for the things you really need – offering up to $1,000* of annual benefits from just $3.88** per week.

    Find out more

— Protection from the unexpected

Most New Zealanders don’t realise how much surgical, hospital, or ongoing medical care can truly cost their family until it’s too late. 

And we always hope that our holiday trips go smoothly but sometimes that isn’t always the case.  

So we can help you be prepared for the unexpected that life throws at you whether it’s on holiday or in life. 

Hospital select

On behalf of our Members we have negotiated with UniMed (our health insurance partner) a new and exclusive hospital insurance plan with enhanced benefits, special terms and conditions:

  • Full hospital cover - that offers up to $300,000 of surgical cover (per person, per admission) across surgery and related consultations.
  • Cover for many pre-existing conditions after you have been insured for three years.
  • Cover for Specialist consultations, test/investigations associated with surgery or hospital admission and cancer treatment including surgery, radiotherapy and chemotherapy.
Find out more
Hospital select

Travel Insurance

As a HealthCarePlus member you are entitled to discounted travel insurance.  We’ve negotiated a travel insurance product with Cover-More Travel Insurance which is designed to protect you and your family when the unexpected happens on holiday.

Find out more
travel protection for new zealanders

— Additional Plans

In addition to our range of plans, your HealthCarePlus Representative can also offer a wider range of hospital cover plans, other types of insurance cover and mortgage plans. 

If you would like to find out more about these plans, you can contact the HealthCarePlus enquiry line on 0800 268 3763 or complete this form.

  • Hospital Cover

    A range of hospital cover plans to provide access to medically necessary surgery and treatment.

    Book a chat
  • Risk Insurance

    Personalised plans offering discounted life, trauma, and income or mortgage protection insurance

    Book a chat
  • Home Loans Solution

    With establishment fee waived, HealthCarePlus allows you to repay your home loan faster, potentially saving thousands of dollars in interest and taking years off your loan

    Book a chat

Primary Care, Primary Care Extra, #care4U and Hospital Select are underwritten by Union Medical Benefits Society Ltd (UniMed). Hospital Cover and Risk Insurance may be underwritten by a range of New Zealand insurers. The Home Loans Solution is arranged through a range of New Zealand registered banks.  These products are managed through Monument Insurance Limited a division of Crombie Lockwood. HealthCarePlus Representatives are financial advisers contracted to Monument Insurance Limited.

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. © 2019 Cover­More Ltd.

* Benefit figures are compiled from core optical, medical, dental and complimentary medical benefits under each specific plan. Please note there are other benefits in these plans that are claimable, but not included in this annual amount.

** Premium for a single insured adult aged up to 45 years in Primary Care, Primary Care Extra and #care4U. Premiums vary by age and are effective as of 1 April 2020