{
  "vertical": "health",
  "insurer": {
    "slug": "unimed",
    "name": "UniMed",
    "brand_family": "unimed"
  },
  "product": {
    "slug": "hospital-select",
    "name": "Hospital Select",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-08-01",
    "ingested_at": "2026-05-16T11:37:11.893419+00:00",
    "pdf_hash": "c62f3db88a5148f1c7ae1d7de1602624e4cf9f70b356cbc5fe0bec2c2938bb8f",
    "source_url": "https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Hospital_Select_Plus_Modules_Plan.pdf",
    "page_count": null
  },
  "confidence_tier": "low",
  "facts": {
    "ivf_cover": "IVF cover is not mentioned in the policy wording; it is not listed as a covered benefit.",
    "exclusions": [
      "Breast reconstruction required as a result of a prophylactic mastectomy is not included.",
      "Costs for personal items such as food/food substitutes, materials or garments are excluded.",
      "Surveillance Following Cancer Treatment is not available for skin cancers/lesions removed by a minor surgery procedure performed by a specialist in their specialist room or a general practitioner in their practice room.",
      "Not included in cover is tooth exposure, implantation of teeth or costs of dental implants.",
      "All injury admissions excluded (Hospital Cash Allowance).",
      "Reimbursement of travel or accommodation costs is excluded (Overseas Treatment loyalty benefit).",
      "Spectacles/lenses replacement for loss or breakage excluded.",
      "Excluding removal of implants or cosmetic reduction (Obesity Surgery or Breast Reduction Surgery loyalty benefit).",
      "Breast reconstruction is not included under the Prophylactic Surgery loyalty benefit."
    ],
    "sublimits_nzd": {
      "home_nursing_per_day": 150,
      "module_g_gp_per_visit": 65,
      "post_operative_therapy": 1500,
      "ambulance_per_policy_year": 200,
      "bereavement_grant_per_life": 2400,
      "spinal_surgery_per_lifetime": 200000,
      "chemotherapy_per_policy_year": 65000,
      "home_nursing_per_policy_year": 6000,
      "mental_health_per_policy_year": 1000,
      "module_d_optometrist_per_visit": 75,
      "module_g_after_hours_per_visit": 70,
      "module_d_dental_per_policy_year": 600,
      "module_s_imaging_per_policy_year": 7500,
      "overseas_transplant_per_lifetime": 20000,
      "module_g_practice_nurse_per_visit": 65,
      "radiation_oncology_per_policy_year": 65000,
      "module_d_orthoptist_per_policy_year": 300,
      "module_g_laboratory_tests_per_visit": 100,
      "module_s_obstetrics_per_policy_year": 1000,
      "hospital_cash_allowance_per_24_hours": 150,
      "module_d_optometrist_per_policy_year": 300,
      "module_s_specialists_per_policy_year": 5000,
      "loyalty_sterilisation_per_policy_year": 5000,
      "minor_skin_lesions_gp_per_policy_year": 2000,
      "module_n_wellness_check_every_3_years": 100,
      "imaging_ct_mri_pet_etc_per_policy_year": 300000,
      "module_g_prescriptions_per_policy_year": 400,
      "parent_support_accommodation_per_night": 150,
      "hospital_cash_allowance_per_policy_year": 1800,
      "medical_hospitalisation_per_policy_year": 65000,
      "loyalty_prophylactic_surgery_per_lifetime": 40000,
      "medical_hospitalisation_ancillary_charges": 500,
      "loyalty_overseas_treatment_per_policy_year": 30000,
      "module_s_hearing_aid_grant_per_policy_year": 1000,
      "breast_symmetry_post_mastectomy_per_lifetime": 6500,
      "parent_support_accommodation_per_policy_year": 600,
      "module_d_spectacles_and_lenses_per_policy_year": 500,
      "specialists_prior_post_admission_per_policy_year": 300000,
      "acute_private_hospitalisation_grant_per_policy_year": 5000,
      "module_g_loyalty_psychiatric_consultations_per_visit": 150,
      "module_g_non_pharmac_pharmaceuticals_per_policy_year": 1000,
      "psychiatric_geriatric_hospitalisation_per_policy_year": 5000,
      "surveillance_colonoscopy_or_gastroscopy_per_24_months": 2500,
      "minor_surgery_registered_medical_practitioner_per_visit": 500,
      "surveillance_following_cancer_treatment_per_policy_year": 3000,
      "loyalty_obesity_or_breast_reduction_surgery_per_lifetime": 8000,
      "module_n_osteopath_chiropractor_combined_per_policy_year": 200,
      "imaging_xray_mammography_ultrasound_nuclear_per_policy_year": 300000,
      "module_n_natural_health_practitioners_combined_per_policy_year": 800,
      "in_patient_non_pharmac_subsidised_pharmaceuticals_per_policy_year": 2000,
      "module_g_loyalty_psychiatric_consultations_per_policy_year_visits": 3,
      "non_pharmac_chemotherapy_drugs_within_chemotherapy_benefit_per_policy_year": 10000
    },
    "gap_payment_rules": "Benefits in all sections refund 100% of the Reasonable Charges limited to the benefit maximums for any admission (Private Hospitalisation Surgical Benefits section). Other sections refund 100% of actual medical costs to the specified maximums. The policy does not describe a formal 'gap payment' scheme between insurer and provider beyond these reimbursement structures.",
    "acc_interaction_rules": "For Accident Surgery: Before Qualifying Surgical Procedures are undertaken UniMed must receive written confirmation from ACC regarding their decision to either accept or decline the claim for surgery. Qualifying Injury Claims that ACC agree to accept will also be accepted by UniMed for 'top-up' coverage to the benefit levels applicable to the Private Hospitalisation Surgical Benefits section. If ACC decline the claim UniMed will, at its sole discretion either assist with the total cost of surgery or pay the difference between the actual cost of surgery and what ACC would have contributed had the claim been accepted by them to the levels applicable to the Private Hospitalisation Surgical Benefits section. For ACC Top Up Benefit (across base plan and modules): The 'shortfall' between actual costs and ACC refunds for out of hospital expenses incurred as a result of qualifying personal injury or employment related conditions are covered to the limits shown. For a claim to qualify, ACC must have provided financial assistance towards treatment costs. Emergency ambulance benefit excludes injuries.",
    "mental_health_sublimit_nzd": 1000,
    "mental_health_admission_rules": "Psychiatric/Geriatric Hospitalisation in a Licensed Private Hospital, on admission and under the care of a Specialist Psychiatrist/Geriatrician. Refund of Hospital Accommodation fees and ancillary hospital charges up to $5,000 per policy year. Separate Mental Health benefit covers costs of reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor (registered with their relevant NZ professional body) up to $1,000 per policy year. Medical Hospitalisation benefit excludes Psychiatric/Geriatric admissions.",
    "oncology_high_cost_drugs_cover": "Under the Chemotherapy benefit, Non-Pharmac chemotherapy drugs that are Medsafe approved for the treatment of cancer are included in cover up to a maximum of $10,000 per annum, within an overall Chemotherapy benefit limit of $65,000 per policy year. The In-Patient Non-Pharmac Subsidised Pharmaceuticals benefit also covers Medsafe-approved pharmaceuticals not fully or partly subsidised by Pharmac, up to $2,000 per policy year.",
    "pharmac_vs_non_pharmac_drug_rules": "In-Patient Non-Pharmac Subsidised Pharmaceuticals: Pharmaceuticals prescribed by a Registered Medical Practitioner which have been approved by Medsafe and are not fully or partly subsidised by Pharmac through the New Zealand Pharmaceutical Schedule are covered up to $2,000 per policy year under the Hospital Select Base Plan. Under the Chemotherapy benefit, Pharmac-approved chemotherapy drugs are covered (up to $65,000 per policy year); Non-Pharmac chemotherapy drugs that are Medsafe approved for the treatment of cancer are included up to a maximum of $10,000 per annum within that benefit. Under Module G (Day to Day), user part charges for Prescription items on the New Zealand Pharmaceutical Schedule are covered up to $400 per policy year, and non-Pharmac subsidised pharmaceuticals are covered up to $1,000 per policy year."
  },
  "endpoints": {
    "summary": "/api/product/unimed/hospital-select/summary.md",
    "wording": "/api/product/unimed/hospital-select/wording.md",
    "history": "/api/product/unimed/hospital-select/history.json"
  },
  "canonical_url": "https://healthinsurancecomparison.co.nz/api/product/unimed/hospital-select/facts.json",
  "generated_at": "2026-05-16T12:53:04.451Z",
  "license": "CC BY 4.0 — attribute https://healthinsurancecomparison.co.nz"
}