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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 $4.55** 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
  • Birth Grant
  • Excess reimbursement on approved Hospital Cover policies ($500 maximum applies***)
  • Pre-existing conditions are covered

Please note No-Claiming Period apply. To find out more, see the benefits below.

For full benefit details and UniMed's terms and conditions, please click 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.

    No-Claiming Period:
    6 months
    Benefit maximum: 
    50% up to $250^^

  • Mental Health

    Psychologist, Psychotherapist, Counsellor, Psychologist

    No-Claiming Period:
    does not apply
    Benefit maximum: 
    50% up to $1000^^

     

  • Major Diagnostic Imaging

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

    No-Claiming Period:
    6 months
    Benefit maximum:
    50% up to $600^^

  • 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).

    No-Claiming Period:
    3 months
    Benefit maximum:
    50% up to $750^^

  • Complementary Medical

    Physiotherapy, Chiropractic, Osteopathy, Podiatry, Acupuncture, Naturopathy, Homeopathy, Rongoā Māori, Chinese Medicine, Drug and Alcohol therapy, Dietitian and Nutritionist, Lymphoedema Therapy, Allergy Testing and Chelation Therapy,
    Audiology, Occupational Therapy, Speech-Language Therapy, Infertility/Sterilisation.

    No-Claiming 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 $700^^. Includes reimbursement of excess on eligible hospital cover policies ($500 maximum per calendar year or claiming year). 

    No-Claiming Period: 
    3 months

  • 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.

    No-Claiming Period:
    3 months
    Benefit maximum:
    50% up to $400^^

  • Orthodontic Treatment

    A contribution towards the cost of orthodontic consultations and treatment for Insured Children.

    No-Claiming 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 Member is required to take sick leave without pay due to illness. (See policy for full eligibility criteria).

    No-Claiming 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 Member or their partner; or for each child adopted by a Member or their partner.

    No-Claiming Period:
    12 months
    Benefit maximum:
    $200 for each live child born to a Member or their partner/ $200 for each child adopted by a Member or their partner.

  • Bereavement Grant

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

    No-Claiming Period:
    3 months
    Benefit maximum:
    $1000 on the death of an Insured Adult or Child (including still birth)

  • Bowel screening kit

    At home bowel screening kit. Children do not qualify for this benefit.

    No-Claiming Period:
    36 months
    Benefit maximum: 
    One kit every three years

     

Active Benefits

Additional Wellbeing Services

With all UniMed Primary Care Plans, you get access to a growing range of benefits at no additional cost designed to keep you well, help prevent illness, boost energy, and make it easier to take proactive action when it matters most. Eligibility criteria applies.

  • Ask a GP

    Simple, non-urgent health questions answered by a New Zealand GP, usually within 1 business day.

  • Flu Vaccinations

    Prevent seasonal illness with annual flu shots.

  • Skin Checks

    Detect skin cancer early and accurately with the SkinVision mobile app.

  • Nutrition Coaching

    One-on-one virtual sessions to help you build energy, manage weight, and stay on track.

  • Fitness Coaching

    One-on-one virtual sessions with fitness experts to understand your specific situation and your fitness goals.

  • Cancer Coaching

    Personalised coaching from Osara Health, designed to help you stay informed, motivated, and supported through treatment.

Plus unlock more benefits

As a UniMed policy holder you can take advantage of their Membership offers too from their healthcare partners below:

  • 20% off MoleMap checkups

  • Free Hearing Checkups

  • Specsavers Discounts

 Terms and conditions
 
(^) Participating Union Members of: NZEI, PPTA, ISEA, TIASA, PSA, Tertiary Education Union and any other Union approved under the EBS constitution and agreed to by the Board.
 
 (^^) 50% reimbursement of actual costs up to the benefit maximum per year for each insured adult or for all insured children collectively. 
 
(*) 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 2026.
 
(***) 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 UniMed's Terms and Conditions and the relevant Health Plan Document. 

We may receive a compensation payment from UniMed when you obtain this policy through your membership of HealthCarePlus. This enables us to provide you with Membership Benefits and the management of the charitable grants.
 
 

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).