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What are the benefits?

Get up to $1,400 of benefits* collectively for optical, GP cost, specialist & tests, and complementary medical. 

Plus many more benefits from just $4.02** per week. Get a quote for Primary Care now

Plan Benefits

What are the benefits?

A plan to assist with your day to day healthcare costs including:

  • Optical
  • GPs and Prescriptions
  • Physiotherapy, Osteopathy and Chiropractic treatment
  • Rongoa Maori is included from 01.04.2024
  • Birth Grant
  • Excess reimbursement on approved Hospital Cover policies ($500 maximum applies***)
  • Pre-existing conditions are covered
  • Free access to our personalised wellbeing platform

Please note waiting periods apply. To find out more, see the benefits below.

For full details on the terms and conditions, please refer to the HCP Primary Care here.

 

  • 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

our health bundle

Activate GoodForYou and Clearhead to complete your healthcare plan 

 

When you take out one of UniMed's Primary Care Plans through us, it includes free access to our GoodForYou Wellbeing program and Clearhead's digital mental wellbeing app. 

To make sure you maximise the benefit from our bundled health offer you need to register and activate your accounts with them.

 

  • GoodForYou

    A comprehensive online wellbeing program that provides tools and support to improve your health and wellbeing and rewards you for making healthier choices.

    Learn more
  • Clearhead

    A digital platform to proactively support your mental health through evidence-based self help digital tools, resources and timely access to therapists ensuring they can easily access the help you need - when you need it.

    Learn more

Plus unlock more benefits

As a UniMed policy holder you can take advantage of their Membership offers too from their healthcare partners below:
  • Free Mental Health Support

  • 20% off MoleMap checkups

  • Free Hearing Checkups

  • Exclusive Snap Fitness Offers

  • Specsavers Discounts

  • 10% off First Aid Training Courses

Learn more about UniMed's current offers here
Click here to compare the three Primary Care plans
 Terms and conditions
 
(*) Benefit amounts are compiled from a core health plan specifically contributing towards Optical, GPs & Prescriptions and Complimentary Medical benefits e.g. Physiotherapy, Osteopathy and Chiropractic treatment. If your quote is for a couple or a family, the benefit figure is per annum, and covers each Adult on the plan. The benefits for children cover the children on the plan collectively. 
 
(**) This is the weekly premium paid by a single insured adult aged between 18 and 45, as at 01 April 2024.
 
(***) The Primary Care plan can also be linked with an approved Hospital Cover policy to provide cover for expensive hospital treatment and take advantage of excess reimbursement ($500 maximum applies)
 
Primary Care is underwritten by Union Medical Benefits Society Ltd (UniMed). Any cover issued in response to this application is subject to the terms and conditions contained in the relevant policy documentation and UniMed’s Conditions of Membership.

 

UNIMED'S FINANCIAL RATING:  A (Excellent)

Union Medical Benefits Society Limited (UniMed) has been given an A (Excellent) insurer financial rating by AM Best. AM Best’s ratings are as follows: Secure: A++, A+ (Superior); A, A- (Excellent); B++, B+ (Good) Vulnerable: B, B- (Fair); C++, C+ (Marginal); C, C- (Weak); D (Poor); E (Under Regulatory Supervision); F (In Liquidation); S (Suspended).