{
  "vertical": "health",
  "insurer": {
    "slug": "unimed",
    "name": "UniMed",
    "brand_family": "unimed"
  },
  "product": {
    "slug": "health-positive",
    "name": "Health Positive",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-08-01",
    "ingested_at": "2026-05-16T11:35:34.627137+00:00",
    "pdf_hash": "aee9a7d7180f3ebc24870fd23171e146cd24cbca10584c631f5e926798e1113b",
    "source_url": "https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "ivf_cover": "Not mentioned in the policy wording; the plan excludes major surgery and hospital visits, and no IVF benefit is described.",
    "exclusions": [
      "Major surgery",
      "Hospital visits",
      "Healthcare services performed in the specialists' rooms",
      "Costs for personal items such as food/food substitutes, materials or garments"
    ],
    "sublimits_nzd": {
      "podiatry": 600,
      "osteopath": 600,
      "gp_surgery": 500,
      "homeopathy": 600,
      "acupuncture": 600,
      "chiropractic": 600,
      "rongoa_maori": 600,
      "physiotherapy": 600,
      "dental_routine": 500,
      "childbirth_grant": 300,
      "gp_consultations": 300,
      "optical_eye_test": 50,
      "remedial_massage": 600,
      "loyalty_screening": 750,
      "dental_orthodontics": 600,
      "dental_wisdom_teeth": 500,
      "prescriptions_pharmac": 300,
      "dietician_nutritionist": 600,
      "specialist_consultation": 5000,
      "diagnostic_investigations": 5000,
      "mental_health_consultations": 1000,
      "non_pharmac_pharmaceuticals": 300,
      "optical_glasses_or_contacts": 350,
      "traditional_chinese_medicine": 600,
      "loyalty_psychiatric_consultations": "150 per consultation, max 3 consultations per year"
    },
    "pre_existing_rules": "Cover for pre-existing conditions is included so we do not require you to provide details of your medical history. If you choose to upgrade to a UniMed surgical plan, you will need to complete a full health declaration relating to your medical conditions at the time of upgrade.",
    "waiting_periods_days": {},
    "mental_health_sublimit_nzd": 1000,
    "mental_health_admission_rules": "Costs of reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor are covered up to $1,000 per annum (3-month no-claiming period). They must be registered either under the psychiatry scope with the Medical Council of New Zealand, as a psychologist with the New Zealand Psychologists Board, as a psychotherapist with the Psychotherapists Board of Aotearoa New Zealand, or as a counsellor with the New Zealand Association of Counsellors or other relevant association. Hospital or inpatient mental health admissions are excluded as the plan excludes hospital visits.",
    "pharmac_vs_non_pharmac_drug_rules": "User part charges for prescription items on the New Zealand Pharmaceutical Schedule and prescribed by a Registered Medical Practitioner (including psychiatric medications) are covered up to $300 per annum with a 3-month no-claiming period. Non-Pharmac Subsidised Pharmaceuticals prescribed by a Registered Medical Practitioner in General Practice which have been approved by Medsafe and are not fully or partially subsidised by Pharmac through the New Zealand Pharmaceutical Schedule are also covered up to $300 per annum with a 3-month no-claiming period."
  },
  "endpoints": {
    "summary": "/api/product/unimed/health-positive/summary.md",
    "wording": "/api/product/unimed/health-positive/wording.md",
    "history": "/api/product/unimed/health-positive/history.json"
  },
  "canonical_url": "https://healthinsurancecomparison.co.nz/api/product/unimed/health-positive/facts.json",
  "generated_at": "2026-05-16T12:53:03.479Z",
  "license": "CC BY 4.0 — attribute https://healthinsurancecomparison.co.nz"
}