Products & Services | HealthCarePlus

Be Part of Something Better

Created by Unions, for their members – we aim to support the
physical, mental, and financial well-being of NZ’s teachers and public sector
workers. Despite our name, we offer a range of 'better than market' services,
beyond health cover.

Healthcare 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, to make the right care more accessible for you – offering up to $1,400* of annual benefits from just $3.53** per week.

Find out more
Primary Care Extra

Our most comprehensive ‘day-to-day’ package - offering up to $2,000* of annual benefits from just $5.86** per week.

Find out more
#care4U

Cost efficient cover, for the things you really need – offering up to $1,000* of annual benefits from just $3.88** 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
24/02/2021

— 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

Who is UniMed?

UniMed is the trading name for Union Medical Benefit Society Limited established in 1979 and provides a comprehensive range of health insurance plans. Like HealthCarePlus, UniMed was established by Unions to provide its Members with health insurance benefits. UniMed is a New Zealand licensed insurer.

UniMed is a not-for-profit incorporated society. This means UniMed is owned by you, its Members and any profits (called surpluses) are applied for the benefit of those Members. Unlike a company, there are no dividends paid to shareholders.

Financial Strength: 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)

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 in Primary Care, Primary Care Extra and #care4U. Premiums vary by age and are effective as of 1 April 2021.

Travel Insurance

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 YourCover 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. The COVID-19 benefits* are available on single trip YourCover policies.

"YourCover" policy

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

YourCover 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.

Note: Domestic cover is currently only available on the YourCover policy.

Call 0800 500 225 and quote HCPTRAVEL

Essentials policy

Essentials is a base level product including medical, additional expenses and cancellation options. Cruise Cover add-on and standard snow sports cover is also available (at an additional premium) when purchasing an Essentials policy.

Call 0800 500 225 and quote HCPTRAVEL

Who is Cover-More?

Cover-More is a leading travel insurance provider in New Zealand and Australia and has longstanding partnerships with major travel agency networks and airlines including Flight Centre Travel Group and Air New Zealand.

Cover-More has operations in 22 countries across five continents with leading market positions also in Ireland, India, in the USA and in Latin America.

Cover-More NZ has been listed as a finalist in the recent 2019 Australian and New Zealand Institute of Insurance and Finance’s (ANZIIF) annual Insurance Industry Awards in the ‘Innovation of the Year’ category.

Cover-More Group was acquired by Zurich Insurance Group in 2017.

T&C's: 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. © 2019 CoverMore Ltd.

*Travel insurance benefits relating to the COVID-19 pandemic are currently only available for travel within New Zealand and to Australia. These benefits are only available on YourCover single trip policies. Cover relating to COVID-19 is for New Zealand residents and citizens only. Inbound visitors to New Zealand are not covered for COVID-19 related benefits.

There are restrictions to cover for COVID-19 relating to multi-night cruise travel. There is no cover for claims directly or indirectly arising from or caused by government travel bans; “Do not travel” warnings; government directed border closures; or mandatory quarantine or self-isolation requirements related to cross area, border, region or territory travel. There is no cover for any transport or accommodation costs arising from a government or public health authority directing you into a period of quarantine which is mandatory for travellers related to cross area, border, region or territory travel. (This exclusion applies regardless of you being diagnosed with COVID-19 or having come into contact with a person diagnosed with COVID-19).

Online wills & EPAs

Making a will is easy and affordable

We’ve partnered with Public Trust, New Zealand's largest provider of wills and
estate administration services to provide our Members, access to their new online platform
that makes it easy to get a will, enduring power of attorney and statement of wishes sorted
in your own time from the comfort of your own home without large lawyer bills. Plus, we’ve negotiated
a 15% discount for all HealthCarePlus Members, so it makes getting that will even more affordable.

— Get your will and EPA online

Public Trust’s online platform is accessible 24/7 and fully secure. The services cover all needs – from simple to complex and it’s quick and easy to complete yourself. Plus Public Trust’s New Zealand based support team are available for live chat or a phone call help too.

— How it works

Choose whether you want an online EPA or will.
There are 3 types of online wills (see table here)
Create your account and follow the easy step-by-step process to choose all your options including the executor of your will, the guardians for your children and any beneficiaries of your estate.
When your document is created, remember to use the exclusive HealthCarePlus code to get your discount
Once paid for, you can download, review, and amend it for 30 days.
When you're happy with your document, make it legally valid. That’s easy too - it must be printed and physically signed in front of two witnesses. You don't need a lawyer or JP to witness your will, but your two witnesses must be people who don't benefit from the will.

— Online wills and enduring powers of attorney

Online wills

Your will is often your last message to your loved ones. It is a legal document that is unique to you and can help make sure your assets, the people and things you love are taken care of after you’re gone.

It also specifies who is responsible for carrying out your final wishes; this person is known as the executor of your will.

15 % off Discount Codes:
HCPWILL15 - for wills
HCPWILLM15 – for mirror wills

Make your will online now

Online Enduring Powers of Attorney

Enduring powers of attorney (EPAs) are legal documents that allow you to appoint someone you trust to make important decisions on your behalf if you can’t make these decisions yourself due to illness or injury. There are two types:

Personal care and welfare EPA - You appoint someone to make decisions about your wellbeing, such as where you live and how you will be cared for.

Property and finance EPA - You appoint someone or a specialist organisation to take care of your finances and property, such as paying bills and managing assets.

Enduring powers of attorney cost $129 each* (or $229 for you and your partner when you get a mirror EPA)

15% off Discount Codes:
HCPPROPERTYEPA15 - for Property EPAs
HCPWELFAREEPA15 - for Welfare EPAs

Make your EPA online now

— Want to know more?

To help you start thinking about preparing your estate planning, choose one of the buttons below to read more about wills and enduring powers of attorney

Online wills & EPAs Estate Planning

Who is Public Trust?

Public Trust is a Crown Entity whose independence is guaranteed under the Public Trust Act 2001. Their Māori name, Te Tari Tiaki Iwi, translates as 'the organisation that takes care of people'.
They were established in 1873 to provide independent and reliable trustee services.
They are best known as New Zealand's largest provider of wills and estate administration services and have a long tradition of looking after the interests of New Zealanders - it's what they've been doing since they were established.
Today they have over 300 employees operating from 24 customer centres and a number of part time and appointment only sites across New Zealand.

* The above price includes a full access to our online platform for you to complete your Enduring Power of Attorney (in relation to property, or in relation to welfare), and in-person certification at one of our Public Trust customer centres only. Additional fees may apply for any incidental works, including any off-site certification of an Enduring Power of Attorney or time spent providing general estate planning advice. All incidental works will be charged on a time and attendance basis. Please contact Public Trust at 0800 279 792 for a fee estimate.

Life & Other Cover

In addition to our range of plans, your local HealthCarePlus Representative 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 one of our local representatives.

Hospital Cover

If our Hospital Select plan is not the ideal plan for you or your family’s needs, our HealthCarePlus reps 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 a HealthCarePlus Representative 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

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

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

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

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

Our HealthCarePlus Reps

Our Representatives 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 our Reps

Who is Monument Insurance?

Monument is appointed by HealthCarePlus for the distribution of Hospital Cover and Risk Insurance products to its members. Monument is an authorised body to Crombie Lockwood. Crombie Lockwood is licensed by the Financial Markets Authority (FMA) to provide advice on life and health insurance products.

Crombie Lockwood has been helping New Zealanders protect what’s important for over 40 years. From their beginnings in Napier in 1978, Crombie Lockwood has proudly built up a network from Invercargill to Kaitaia with a team of around 900 people in more than 25 offices.

Crombie Lockwood is now one of the largest insurance broking companies in New Zealand, placing premiums in excess of $800 million on behalf of over 100,000 customers throughout the country.

In 2014, Crombie Lockwood was bought by Gallagher, the fourth largest insurance broker globally. The combination of their heritage and Gallagher ownership has resulted in local expertise with global support.

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. HealthCarePlus Representatives are financial advisers contracted to Monument Insurance Limited.