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Plan highlights

Claim back 50% towards a range of everyday health costs up to $4,100* per adult per year 

 

T&Cs and benefit maximums apply. See below for more information.

Plan Benefits

What are the benefits?

Below is a summary of the benefits available on Primary Care. UniMed's Terms and Conditions and benefit maximums apply. For full benefit details and UniMed's terms and conditions, please click here. 

Optical

50% up to $
250 per year

Glasses, Lenses and Exams

50% reimbursement of actual costs incurred up to $250 per person per policy year or for all Insured Children collectively.

No-claiming period: 6 months

Medical (including GP visits)

50% up to $
750 per year

GP visits, Specialists, and Diagnostic Tests and health screening (excluding mole mapping)

50% reimbursement of actual costs incurred up to $750 per person per policy year or for all Insured Children collectively.

No-claiming period: 3 months

Complementary Medical

50% up to $
400 per year

Includes physiotherapy, chiropractic, osteopathy, podiatry, chiropodiatry, acupuncture

50% reimbursement of actual costs incurred up to $400 per person per policy year or for all Insured Children collectively.

No-claiming period: 3 months

Mental Health

50% up to $
1000 per year

Psychologist, psychotherapist, psychiatrist, counsellor

50% reimbursement of actual costs incurred up to $1000 per person per policy year or for all Insured Children collectively.

No-claiming period: Not applicable

Hospital Treatment

50% up to $
700 per year

50% reimbursement of actual costs incurred up to $700 per person per policy year or for all Insured Children collectively. Includes reimbursement of excess on eligible hospital cover policies ($500 maximum applies per claiming year**).

No-claiming period: 3 months 

 

Major Diagnostic Investigations

50% up to $
600 per year

Includes Angiogram, CT scan (including myelogram), MRI scan, PET scan

50% reimbursement of actual costs incurred up to $600 per person per policy year or for all Insured Children collectively.

No-claiming period: 6 months

 

Medical Appliance

50% up to $
400 per year

Specified items prescribed by a GP, specialist or hospital.

50% reimbursement of actual costs incurred up to $400 per person per policy year or for all Insured Children collectively.

No-claiming period: 3 months

 

Orthodontic Treatment

30% up to $
750 for each Insured Child

30% reimbursement of actual costs incurred up to $750 for each Insured Child, up to a policy maximum of $1,500 for the duration of the Member’s Membership.

No-claiming period: 12 months

Sick Leave Without Pay Grant

$
50 per week

$50 per week plus $5 for each Insured Child up to a maximum of $60 per week for 26 weeks for the Member.

No-claiming period: 12 months

Birth Grant

$
200

$200 for each live child born to a Member or their partner/ $200 for each child adopted by a Member or their partner

No-claiming period: 12 months

 

Bereavement Grant

$
1000

$1,000 on the death of an Insured Adult or Child (including still birth).

No-claiming period: 3 months

 

Bowel Screening Kit

One kit every three years

Children do not qualify for this benefit.

No-claiming period: 36 months

 

Active Benefits

More Than Help With Healthcare Costs

Most members buy a Primary Care plan to help with the cost of things like GP visits, prescriptions, dental treatment and physiotherapy.

What many don't realise is that there are also additional services available through UniMed that can help you stay healthy, identify issues early, and take a more proactive approach to your health.

From Ask a GP through to nutrition, fitness and cancer coaching, these services are designed to help you stay healthy and take action earlier when you need support.

Many of these services are available at no additional cost to members with an eligible UniMed Health Plan.

Eligibility criteria may apply to some services.   

Ask a GP

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

Skin Checks

Monitor your skin and detect skin cancer early using the SkinVision mobile app.

Nutrition Coaching

One-on-one virtual sessions with a registered dietitian 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 programs from Osara Health for those living with cancer or those who are caregivers.

Find out more about Unimed's growing range of Wellbeing Benefits. Explore UniMed's Active Benefits
Important Information
 
 
(*) This is the sum of selected benefit maximums included in the Primary Care plan and represents the maximum amount per year for each Insured Adult. The sum includes benefit maximums for Optical, GP, Specialists and Tests, Complementary Medical, Mental Health, Major Diagnostic Imaging, Hospital Treatment, and Medical Appliance. It does not include benefit maximums for hospital excess, orthodontic treatment, bereavement grant, birth grant, sick leave without pay grant, or bowel screening kit. Children’s benefits apply collectively to the children covered under the plan. 

 (**) The Primary Care plan can also be linked with an Approved Hospital Cover policy to take advantage of the excess reimbursement for hospital treatment ($500 maximum limit applies).
 
Primary Care is underwritten and administered by Union Medical Benefits Society Limited (UniMed). Any cover issued in response to this application is subject to the relevant Health Plan document and UniMed’s Terms and Conditions.

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.
 
This webpage is intended as an information guide only and does not constitute financial advice or form part of the policy document or any contract with UniMed. 
 
 
 

UniMed's Financial Strength Rating:  

A

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).