{
  "vertical": "health",
  "insurer": {
    "slug": "unimed",
    "name": "UniMed",
    "brand_family": "unimed"
  },
  "product": {
    "slug": "parentstay",
    "name": "ParentStay",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2025-10-01",
    "ingested_at": "2026-05-16T11:42:29.936638+00:00",
    "pdf_hash": "1bbd0b9c994ba504235ff16a5b188c21d2726f05af4633d6599f334555fa0c48",
    "source_url": "https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/ParentStay-Health-Plan-2025.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "ivf_cover": "Infertility or assisted reproduction, including investigation, diagnosis, treatment, or assisted reproductive technology, is explicitly excluded under the 'Reproductive and sexual health' general exclusion. IVF is not covered.",
    "exclusions": [
      "Pre-existing conditions, unless accepted by us",
      "Congenital, genetic or hereditary conditions",
      "Psychiatric, psychological and neurodevelopmental disorders, including Attention Deficit Hyperactivity Disorder (ADHD), geriatric care including geriatric hospitalisation, pre-senile dementia, senile illnesses including dementia and Alzheimer's disease",
      "Sexually transmitted diseases, including HIV or AIDS, or any condition caused by them",
      "Pregnancy, childbirth, miscarriage, or termination of pregnancy",
      "Infertility or assisted reproduction, including investigation, diagnosis, treatment, or assisted reproductive technology",
      "Sterilisation, including reversals",
      "Contraception of any kind, including intrauterine devices, except when used for medical reasons",
      "War, act of war (whether declared or not), active duty in the military of any country or international authority, or terrorism",
      "Misuse of alcohol or drugs whether prescribed, non-prescription or recreational",
      "Participation in a criminal act",
      "Intentional self-injury",
      "Suicide or attempted suicide",
      "Euthanasia",
      "An injury caused by an accident outside New Zealand",
      "Failing to follow or comply with your prescribed medical treatment plan, including not taking prescribed medications as prescribed or not attending recommended medical appointments",
      "Epidemic, pandemic or any similar widespread infectious disease",
      "Medical treatment or procedures and technologies that have not been approved by us, including any that are new, experimental, unorthodox or not widely accepted as effective, appropriate or essential according to the recognised standards of the medical specialty involved",
      "Additional surgery performed during any operation that is not directly related to any condition or treatment covered under the terms of your policy",
      "Any costs not specifically provided for under a benefit section outlined in this document",
      "Medical treatment or procedures and drugs for conditions or healthcare services that are excluded under your policy, including those excluded in the eligibility criteria",
      "Healthcare services provided outside New Zealand",
      "Gender affirmation and/or gender dysmorphia",
      "Any surgery, medical treatment or procedure that primarily changes, improves, or enhances appearance, regardless of whether it is undertaken for medical, physical, functional, psychological or emotional reasons",
      "Weight loss or bariatric investigations or treatment, including when such treatment is intended to manage, treat, or improve other health conditions (for example: diabetes, cardiovascular or gastrointestinal conditions)",
      "Elective surgery, being any surgery that is not required to treat an acute or emergency condition",
      "Revision surgery, performed to address failure, complications, wear and tear, unsatisfactory results, or changes to your condition",
      "Joint or spinal surgery, including replacement of hips, knees, or shoulders, and any procedure on the spine",
      "Visual correction or enhancement treatment, including surgery, laser procedures, intraocular lens(es), injections, consultations, eye tests, glasses, or contact lenses",
      "Dental care or treatment of any kind, including routine, elective or emergency procedures, tooth extractions, exposures and the implantation of teeth, including dental implants",
      "Organ transplantation",
      "Renal dialysis",
      "Stem cell transplantation",
      "Robotically assisted surgery (though we may at our sole discretion contribute toward the cost up to the reasonable charge for the equivalent non-robotic surgery)",
      "Investigations, monitoring or treatment when you are asymptomatic and there is no evidence the condition is harmful to your health, including preventative or prophylactic care and health surveillance testing, screening or tests performed for administrative or non-clinical purposes, healthcare services which in our opinion are not medically necessary, vaccinations/immunisations, and convalescence",
      "Personal health-related appliances; for example, hearing aids, personal alarms, orthotic shoes, crutches, wheelchairs, toilet seats, shower stools, mouthguards, and artificial limbs, medicine sachets or blister packs",
      "Medical devices; for example, cardiac pacemakers, nerve appliances, cochlear implants, or penile implants",
      "Surgical or medical appliances; for example, glucometers, oxygen machines, respiratory machines, diabetic monitoring equipment, or blood pressure monitoring equipment",
      "Continuous or long-term care, including aged or geriatric care, rest home or home-based care, and long-term hospital-level care, whether provided in a hospital, hospice, rest-home or similar facility",
      "Costs or expenses recoverable from a third party or insurance or any statutory scheme or any government-funded scheme or agent (for example, ACC)",
      "Personal expenses incurred while in hospital, including charges for family meals, soft drinks, alcohol, travel costs, or accommodation for family",
      "Optional or upgraded services where they are not medically necessary, including private hospital suites, premium accommodation, travel upgrades, or any other non-medical enhancements",
      "Costs not specifically related to a consultation, medical treatment or procedure, such as administration costs (courier fees, charges for medical notes etc), charges for cancellation or non-attendance, or statement fees"
    ],
    "sublimits_nzd": {
      "cancer_care": 100000,
      "mental_health": 1000,
      "return_of_remains": 50000,
      "medical_repatriation": 250000,
      "emergency_medical_care": 250000,
      "follow_up_prescription_drugs": 1000,
      "follow_up_allied_health_combined": 1000,
      "medical_repatriation_accompanying_family_accommodation_meals": 1000
    },
    "gap_payment_rules": "UniMed will pay the cost for a medical treatment or procedure covered under the policy up to the relevant benefit limit or the reasonable charge for the medical treatment or procedure, whichever is less. If the cost exceeds the benefit limit or reasonable charges, the extra cost is the member's responsibility and cannot be claimed under another benefit or policy. Members must claim any other refunds, subsidies, or entitlements available from another source first (including ACC, another insurer, or government-funded scheme). If those sources only partially cover costs, UniMed may pay the difference up to the amount entitled under the Health Plan, where legally permitted. UniMed does not provide cover for any excess that applies under another insurance policy or Health Plan. The policy provides limited coverage for expenses incurred in the private health system.",
    "pre_existing_rules": "Pre-existing conditions are not covered unless accepted by us. A pre-existing condition means any health or medical condition you are aware of, or any signs or symptoms that you are currently experiencing or have experienced in the past, that occurred before the start of your policy, or a medical event that occurred before the start of your policy. Applicants must disclose all pre-existing conditions on application. If untrue or misleading information is provided or pre-existing conditions are not disclosed, we may decline related claims and/or apply additional personal exclusions (which may be backdated to policy start). Any personal exclusions are listed on the Membership Certificate. Personal exclusions do not apply to the Medical Repatriation or Return of Remains benefits.",
    "acc_interaction_rules": "The Health Plan is designed to work alongside ACC. If a member suffers an injury while in New Zealand, they must first apply to ACC for treatment. ACC provides comprehensive, no-fault personal injury cover for anyone in New Zealand regardless of residency or visa status. Members must do everything reasonably possible to have ACC cover and ACC-funded treatment for their injury. If ACC does not fully cover the cost of medical treatment or procedure, a claim can be made with UniMed for the remainder if it is covered by the policy, subject to other policy terms including exclusions and benefit limits. Costs or expenses recoverable from ACC are excluded. If ACC declines a claim, UniMed may consider covering it under the policy. If UniMed believes ACC's decision to decline may be wrong, it may ask the member to challenge ACC's decision and requires the member's cooperation including authority to act on their behalf.",
    "mental_health_sublimit_nzd": 1000,
    "mental_health_admission_rules": "The Mental Health benefit covers up to $1,000 for each Member each policy year for reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor. 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 health professional association. Psychiatric, psychological and neurodevelopmental disorders are listed as a general exclusion and are not covered, including ADHD, geriatric care, pre-senile dementia, and senile illnesses including dementia and Alzheimer's disease. Inpatient mental health admissions are not specifically provided for as a separate benefit.",
    "pharmac_vs_non_pharmac_drug_rules": "All prescription drugs and medication covered under the policy must be: registered and approved by Medsafe for use in New Zealand; prescribed and used within the guidelines set by Medsafe; Pharmac-approved and listed on the Pharmac Schedule under sections A to H, for the treatment being received in New Zealand; medically necessary; and prescribed by the treating specialist or GP. If the prescription drug requires special authority from Pharmac, confirmation that the member meets the special authority criteria is required before cover can be assessed. Under the Cancer Care benefit, only Pharmac-approved prescription drugs are covered. Non-Pharmac-funded drugs are not covered."
  },
  "endpoints": {
    "summary": "/api/product/unimed/parentstay/summary.md",
    "wording": "/api/product/unimed/parentstay/wording.md",
    "history": "/api/product/unimed/parentstay/history.json"
  },
  "canonical_url": "https://healthinsurancecomparison.co.nz/api/product/unimed/parentstay/facts.json",
  "generated_at": "2026-05-16T12:53:08.026Z",
  "license": "CC BY 4.0 — attribute https://healthinsurancecomparison.co.nz"
}