firstname lastname

Includes dental examinations, x-rays, cleaning/polishing performed by a Dentist, Oral Surgeon or Dental Hygienist. Includes fillings and teeth extraction (excluding wisdom teeth) performed by a Dentist or Oral Surgeon. Includes periodontic and endodontic treatment.

Crowns, dental implants and dentures are not included. Veneers, gold fillings or other forms of cosmetic dentistry are not included. Prescribed medicines are not included. Orthodontic treatment is not included (refer Orthodontic Benefit).

Waiting period: 
6 months
Benefit maximum:
50% up to $350

Prescription medicines and laboratory tests ($20 per item limit), GP visits, Specialist consultations and diagnostic tests including: X-rays, Ultrasound (not obstetric), mammograms, prostate checks, and skin checks. Mole Mapping is included.  Ambulance fees. Travel/consultations, Flu vaccinations and other vaccinations are included (subject to a Sub-limit of 50% reimbursement of actual costs incurred up to $100 per Calendar Year).

Waiting period:
3 months
Benefit maximum:
50% up to $1000

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 $500

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 $350

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 $1000pa. Includes reimbursement of excess on eligible hospital cover policies ($500 maximum per calendar year or claiming year). For excess reimbursement, cover applies to oral surgery excesses. 

Waiting period: 
3 months

A contribution towards the cost of CT scans, CAT scans, MRI scans and Angiograms.

Waiting period: 
6 months
Benefit maximum: 
50% up to $600

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

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)

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

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

A lump sum payment on the death of an Insured Adult or Child (including still birth).

Waiting period:
3 months
Benefit maximum: 
$1000