Plan Benefits
Primary Care
Get up to $1,400 of benefits* per year, from just $4.25** per week.
Please note waiting periods apply. See below.
For full details on the terms and conditions, please refer to the HCP Primary Care Policy Document.
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Optical
Optometrist eye examinations, prescription glasses and contact lenses. The effective date for the claim is the date of the prescribing eye examination, not the date of purchase or supply of the prescription glasses or contact lenses.
Waiting period:
6 months
Benefit maximum:
50% up to $250 -
Medical, Specialists and Tests
Prescription medicines and laboratory tests ($10 per item limit), GP visits, Specialist consultations and diagnostic tests including: X-rays, Ultrasound (not obstetric), mammograms, prostate checks, and skin checks (not mole mapping). Ambulance fees. Flu vaccinations (all other vaccinations excluded).
Waiting period:
3 months
Benefit maximum:
50% up to $750 -
Complementary Medical
Physiotherapy, chiropractic, osteopathy, podiatry, acupuncture, naturopathy, homeopathy, psychology, psychotherapy, counselling, drug and alcohol therapy, dietitian and nutritionist consultations, lymphoedema therapy, allergy testing and chelation therapy, audiology, occupational therapy, speech-language therapy, infertility/sterilisation. Rongoa Maori is included from 01.04.2024.
Waiting period:
3 months
Benefit maximum:
50% up to $400 -
Hospital Treatment
A contribution towards the cost of private hospital treatment. Includes surgeon’s fee, anaesthetist’s fee and private hospital charges. Oral surgery is not included under this benefit. Benefit maximum: 50% up to a max of $700pa. Includes reimbursement of excess on eligible hospital cover policies ($500 maximum per calendar year or claiming year).
Waiting period:
3 months -
Major Diagnostic Imaging
A contribution towards the cost of CT scans, CAT scans, MRI scans and Angiograms.
Waiting period:
6 months
Benefit maximum:
50% up to $600 -
Medical Appliance
Specified items prescribed by a GP, Specialist or Hospital. Includes: hearing aids, prosthesis (not related to surgery), toric and irlen lenses, aids for the control of diabetes or lung disease, Epipens, Mirena, CPAP Machine/Mask, compression stockings/sleeves, specially made footwear (excluding inserts for shoes provided by a podiatrist), baby monitor or any equipment for the disabled.
Waiting period:
3 months
Benefit maximum:
50% up to $400 -
Orthodontic Treatment
A contribution towards the cost of orthodontic consultations and treatment for Insured Children.
Waiting period:
12 months
Benefit maximum:
30% up to $750 per child ($1500 policy maximum for the duration of the subscriber’s membership) -
Sick Leave Without Pay
Where the Subscriber is required to take sick leave without pay due to illness. (See policy for full eligibility criteria).
Waiting period:
12 months
Benefit maximum:
$50 per week plus $5 per insured child up to $60 per week, for a maximum of 26 weeks. -
Birth Grant
A lump sum payment for each live child born to a Subscriber or their partner; or for each child adopted by a Subscriber or their partner.
Waiting period:
12 months
Benefit maximum:
$200 -
Bereavement Grant
A lump sum payment on the death of an Insured Adult or Child (including still birth).
Waiting period:
3 months
Benefit maximum:
$1,000