Products & Services

Be Part of Something Better

We believe that in today’s world, supporting our Member's health & wellbeing is much more than just access to  affordable health insurance.
We now provide ‘Member-only’ services & offers from a range of trusted partners that aims to support your financial, physical and mental wellbeing.

Health plans

 

It’s good to have a plan

Whether you’re supporting your health costs day to day or protecting yourself
from the bigger things life can throw at you – knowing that you and your Whānau
are covered is worth a lot. And with HealthCarePlus cover it doesn’t have to
cost a lot because you’re only paying for your healthcare and not shareholder profit.

 

— Covering day-to-day Healthcare Costs

Our day-to-day plans bring genuine benefits through everyday life (not just when someone gets ill) and can leave a typical family better off by hundreds of dollars every year.

  • Primary Care

    Affordable day-to-day health support -  get cover up to $1,400 collectively for optical, GP cost, specialist & test, and complementary medical. And many more benefits from just  $3.60** per week. 

    Find out more
  • Primary Care Extra

    Our most comprehensive ‘day-to-day’ package - get cover up to $2,200 collectively for dental, optical, GP costs, specialist & test, mole mappingvaccinations and complementary medical. Plus many more benefits from just $6.27** per week.

    Find out more
  • #care4U

    Cost efficient cover, for the things you really need - get cover up to $1,000 collectively for dental, optical, GP costs, specialist & test, and complementary medical from just $3.96** per week.

    Find out more

 

"It covers my doctor’s visits and prescription at 50%. I have used it twice to pay the excess on surgery. I can use it for podiatrists and change of vision lenses. I am happy with this."

LC, Member since 1987 from Stratford

To view all, click here

— Protection from the unexpected

Most New Zealanders don’t realise how much surgical, hospital, or ongoing medical care can truly cost their family until it’s too late. 

Hospital select

On behalf of our Members we have negotiated with UniMed (our health insurance partner) a new and exclusive hospital insurance plan with enhanced benefits, special terms and conditions:

  • Full hospital cover - that offers up to $300,000 of surgical cover (per person, per admission) across surgery and related consultations.
  • Cover for many pre-existing conditions after you have been insured for three years.
  • Cover for Specialist consultations, test/investigations associated with surgery or hospital admission and cancer treatment including surgery, radiotherapy and chemotherapy.
Find out more
Hospital select

T&C's: Primary Care, Primary Care Extra, #care4U and Hospital Select are underwritten by Union Medical Benefits Society Ltd (UniMed). 

* Benefit figures are compiled from core optical, medical, dental and complimentary medical benefits under each specific plan. Please note there are other benefits in these plans that are claimable, but not included in this annual amount.

** Premium for a single insured adult aged up to 45 years. Premiums vary by age and are effective as of 1 April 2022. Primary Care, Primary Care Extra, #care4U are exclusively available to participating union members of NZEI, PPTA, PSA, TEU, ISEA, TIASA.

Travel Cover

 

Discounted Travel Insurance

As a HealthCarePlus member you are entitled to discounted trave insurance.
We've negotiated a travel insurance product with Cover-More Travel Insurance
which is designed to protect you and your family when the unexpected happens on holiday.

— We have Two Types of Policies

We’ve negotiated two travel insurance policies with Cover-More at a discounted rate. They are designed to protect you and your family when the unexpected happens on holiday.  Both Options and Essentials are available as Single Trip or Annual Multi-Trip policies.  If you are a frequent traveller, rather than buying a Single Trip policy each time you travel, you may want to buy an Annual Multi-Trip policy. 

Options policy

Options is Cover-More’s comprehensive, with some unique optional extras so you can tailor your cover to your needs.

Options is available as a Single Trip or Annual Multi-Trip policy.  If you are a frequent traveller, rather than buying a Single Trip policy each time you travel, you may want to buy an Annual Multi-Trip policy. 

Call 0800 500 225 and quote HCPTRAVEL
Options policy

Essentials policy

Essentials is a base level product including medical, additional expenses and cancellation options. Winter sports cover is also available (at an additional premium) when purchasing an Essentials policy.

Call 0800 500 225 and quote HCPTRAVEL
Essentials policy

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. © 2020 Cover¬More Ltd.

Financial rating: ZAIL has an insurer financial strength rating of A+ from Standard & Poor’s (Australia) Pty Ltd. This rating shows that the company has strong financial security characteristics.

Petcover

 

Looking after your furry whānau

At HealthCarePlus, we’re always focused on finding ways to support you 
and your whānau with your health and wellbeing.  And that support has 
now been extended to your furry whānau too. 

We now partner with Petcover to provide you access to their full range 
of policies for cat and dog owners with a special HealthCarePlus 
discount for Members.

— Why Insure with Petcover

  • They’re pet insurance specialists with over 40 years of industry experience offering a range of cover levels to suit every budget.
  • The Petcover team are pet lovers too, they understand that your pet is part of the family and are here to help along the way.
  • They have short waiting periods for illness and injury.
  • Their claims process is quick and easy.
  • Get a quote, manage your policy and make a claim online. 

Find the best level of cover for your pet

Petcover’s insurance plans are designed to cover the unexpected so you can afford the care your pet deserves. 

As pet insurance specialists, Petcover offer New Zealand’s best range of policy options packed with added benefits to suit your budget.

Find out more
Find the best level of cover for your pet


*Petcover is the sole administrator of the policies acting on behalf of the Insurer. Petcover is a registered trademark. The Insurer for the Petcover insurance products is HDI Global Specialty SE – New Zealand, who is licensed to carry out insurance business in New Zealand in accordance with the Insurance (Prudential Supervision) Act 2010 and is registered as a financial service provider on the Financial Service Providers Register (FSP 774050).

The advice on this website is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase the insurance policy, you should consider your own personal circumstances and the relevant combined Product Disclosure Statement and Policy Wording available on this website.

HDI Global Specialty SE - New Zealand has an A+ insurer financial strength rating given by Standard & Poor’s (New Zealand) Pty Ltd. The rating scale is:AAA Extremely Strong AA Very Strong A Strong B Weak CCC Very Weak CC Extremely Weak BBB Good BB Marginal R Regulatory Action Plus (+) or minus (-): Ratings from “AA” to “CCC” maybe modified by the addition of a (+) or minus (-) sign to show relative standings within major rating categories.

Retirement

 

Thinking about Retirement?

With our partner, Enrich Retirement we help you live your retirement to the max!
Enrich Retirement through their Membership program have brought together in one 
place all the information you need to plan your retirement to make it easy for 
you to have the retirement you deserve.

— What you get when you join Enrich Retirement

INTERACTIVE COURSES

A wide range of interactive courses helping you plan and enjoy your retirement

EXPERT INTERVIEWS

Video interviews with leading experts covering topics of interest to retirees

RESOURCES

Free downloadable resources and ebooks

WEBINARS ON RETIREMENT TOPICS

Engage with experts in webinars on retirement topics and have your questions answered

PRIVATE FACEBOOK GROUP

Exclusive access to the community of retirees in the private Facebook group.

WAIT THERES MORE...

Plus each month there will be new videos, webinars and blogs to see.

Ready to be a Premium Member of Enrich Retirement?

Having all the information you need at your fingertips allows you to plan your retirement, so you can reduce the worry and uncertainty. You will find information to help you manage your money, plan your lifestyle, and stay fit and healthy.

Find out more
Ready to be a Premium Member of Enrich Retirement?
Life & Other

 

Life & Other Cover

In addition to our range of plans, a financial adviser can
also offer a wider range of hospital cover plans, other types of insurance cover 
and mortgage plans. If you would like to find out more about these plans, you can
book a free, no obligation chat with an adviser in your local area.

Hospital Cover

If our Hospital Select plan is not the ideal plan for you or your family’s needs, a financial adviser appointed by HealthCarePlus in your local area can look at alternative options with other medical insurers, we are not limited to only providing you one insurer option. Also, any Hospital Cover arranged through them can be linked to your HealthCarePlus Primary Care or Primary Care Extra plan allowing you to claim back up to $500 on your surgical excess in the event of a Hospital Cover claim.

Book a free, no obligation chat
Hospital Cover

Life Insurance

When someone you love might suffer financially if you died prematurely, talk to us about arranging life insurance with a 10% discount for the life of the policy (not just the first year). We deal with a wide range of insurers.

Book a free, no obligation chat
Life Insurance

Trauma Insurance

We all know someone who has suffered serious illnesses or injuries and how these events have impacted financially on them and their families. Having access to a lump sum of cash at such a time can help to relieve this stress and provide you or the family choices around treatment and time out from work. We can arrange this insurance with a 10% discount for the life of the policy (not just the first year).
 

Book a free, no obligation chat
Trauma Insurance

Income Protection 

If an illness results in you being unable to work for an extended period and your sick leave payments have stopped, having a monthly benefit kick in at that time to help you continue to meet your ongoing expenses such as mortgages, groceries or other bills could be a financial ‘lifesaver’. Talk to us about arranging a monthly income protection disability benefit. We can arrange this insurance with a 10% discount for the life of the policy (not just the first year).
 

Book a free, no obligation chat
Income Protection 

Mortgage Protection

If an illness or injury results in you being unable to work for an extended period and your sick leave payments have stopped, having a monthly benefit kick in at that time to help you continue to meet your ongoing mortgage commitment could mean the difference between keeping or losing the family home. Talk to us about arranging a monthly mortgage repayment disability benefit. We can arrange this insurance with a 10% discount for the life of the policy (not just the first year).
 

Book a free, no obligation chat
Mortgage Protection

Financial Advisers

They are financial advisers contracted to HealthCarePlus through Monument Insurance. Monument has been our appointed business partner since the early 1990’’s to provide financial advice to our members on life and health insurance products (HealthCarePlus as a Society is not legally able to provide financial advice).

Meet a financial adviser
Financial Advisers

T&C's: Hospital Cover and Risk Insurance may be underwritten by a range of New Zealand insurers. The Home Loans Solution is arranged through a range of New Zealand registered banks.  These products are managed through Monument Insurance Limited a division of Crombie Lockwood. For over 30 years Monument Insurance has been HealthCarePlus’s appointed business partner to provide financial advice to HealthCarePlus Members on life and health insurance. (HealthCarePlus as a Society is not legally able to provide financial advice).