# Pharmac vs Non-Pharmac Drug Cover in NZ Health Insurance NZ's Pharmac funds a defined list of medicines. Non-Pharmac drugs (including high-cost cancer drugs like Keytruda) are excluded from public funding. Health insurance can fill that gap — but every insurer handles it differently. This page summarises each NZ insurer's non-Pharmac rules verbatim from their policy wordings. _All facts below are extracted verbatim from each insurer's published policy wording PDF (see Source links). For the authoritative answer in any specific case, refer to the source PDF._ ## Per-product breakdown ### Accuro **KidSmart** `accuro/kidsmart` — wording effective 2026-05-16 — confidence `inferred` Prescription drugs covered under modules (other than the non-Pharmac drugs benefit) must be listed under section A to I of the Pharmac Schedule (section H only applicable if used during a procedure in a private facility), Pharmac-approved, medically necessary, and prescribed by a registered medical practitioner; the child must meet Pharmac's funding criteria. Separately, the non-Pharmac subsidised drugs benefit under the Hospital and Surgical base plan covers all Medsafe-registered drugs regardless of Pharmac funding status, where treatment is prescribed by a registered medical specialist as appropriate, the condition is not otherwise excluded, and the drug is prescribed within Medsafe guidelines. If the drug qualifies for a government or other subsidy, only the remaining cost is reimbursed. All costs under the non-Pharmac drugs benefit are included within the maximum limit of the applicable surgical or non-surgical benefit; this benefit cannot be used with any benefit on an additional module. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/KidSmart-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/KidSmart-Sept-2025.pdf) **SmartCare** `accuro/smartcare` — wording effective 2026-05-16 — confidence `inferred` Unless outlined differently in the policy, prescription drugs must be listed under section A to I of the Pharmac Schedule (note that section H is only applicable if the drug is used during a procedure in a private facility), Pharmac-approved, medically necessary, and prescribed by a registered medical practitioner. Members must meet Pharmac's funding criteria and the drugs must be funded for the relevant claim. If prescription drugs require special authority from Pharmac to be covered, confirmation from the registered medical practitioner that the member meets the special authority criteria is required before cover can be assessed. Non-Pharmac-approved drugs are not covered under the prescription drug benefit. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare-Sept-2025.pdf) **SmartCare+** `accuro/smartcare-plus` — wording effective 2026-05-16 — confidence `inferred` Standard prescription drugs (under the GP+ module) must be listed under sections A to I of the Pharmac Schedule, Pharmac-approved, medically necessary, and prescribed by a registered medical practitioner; the member must meet Pharmac's funding criteria. As part of the Hospital and Surgical+ base plan, the Non-Pharmac subsidised drugs benefit covers all drugs registered by Medsafe for use in New Zealand where: the treatment is prescribed by a registered medical specialist as the appropriate medical treatment for the condition; the treatment or condition is not excluded elsewhere in the Health Plan document; and the drug is prescribed within the guidelines set by Medsafe. If the drug qualifies for a government or other subsidy, only the remaining cost is reimbursed. All costs under the non-Pharmac drugs benefit are included in the maximum limit of the surgical or non-surgical benefit (whichever applies) under the Hospital and Surgical+ base plan, and the non-Pharmac drugs benefit cannot be used with any benefit on an additional module. No specific Keytruda example is mentioned. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare%2B-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartCare%2B-Sept-2025.pdf) **SmartStay** `accuro/smartstay` — wording effective 2026-05-16 — confidence `inferred` Unless outlined differently in the policy, prescription drugs must be listed on the Pharmac Schedule (note that section H is only applicable if the drug is used during a procedure in a public or private hospital/facility), Pharmac-approved, medically necessary, and prescribed by a registered medical practitioner. Members must meet Pharmac's funding criteria and the drugs must be funded for the relevant claim. If special authority from Pharmac is required, confirmation from the registered medical practitioner that the member meets the special authority criteria is needed before cover can be assessed. Non-Pharmac drugs are not covered. Chemotherapy drugs administered orally at home that are prescribed by a registered medical specialist and used during an approved cycle of chemotherapy treatment are covered under the private and public hospital medical admission benefit. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartStay-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/SmartStay-Sept-2025.pdf) **StaffCare** `accuro/staffcare` — wording effective 2026-05-16 — confidence `verified` Prescription drugs are only covered under the GP module (up to $20 per item, maximum $300 per person per policy year) for drugs ordered by a New Zealand-registered medical practitioner or registered medical specialist. Chemotherapy drugs administered orally at home that are prescribed by a registered medical specialist and used during an approved cycle of chemotherapy treatment are covered under the Non-surgical cancer treatment benefit. Other prescription drugs used during hospital admission are covered as part of the Private hospital medical admission and Non-surgical cancer treatment benefits. No explicit PHARMAC vs non-PHARMAC distinction or Keytruda-specific rules are stated in the policy wording. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare-Sept-2025.pdf) **StaffCare+** `accuro/staffcare-plus` — wording effective 2026-05-16 — confidence `inferred` Prescription drugs (outside hospital) must be listed under section A to I of the Pharmac Schedule (section H only if used during a procedure in a private facility), Pharmac-approved, medically necessary, and prescribed by a registered medical practitioner; Pharmac funding criteria and special authority requirements must be met. As part of the Hospital and Surgical+ base plan, the non-Pharmac cancer drugs benefit covers Medsafe-registered cancer drugs up to $40,000 per person per policy year regardless of whether the drug qualifies for a government or other subsidy such as Pharmac funding; if the drug does qualify for a subsidy, only the remaining cost is reimbursed. All costs under the non-Pharmac cancer drugs benefit are included within the maximum limit of the General surgery benefit or the Non-surgical cancer treatment limit under the Private hospital medical admission benefit, whichever applies. > Source: [https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare%2B-Sept-2025.pdf](https://production-media-accuro.s3.ap-southeast-2.amazonaws.com/public/Collateral/Policy-Documents/2025/Health-Plan-Documents-1-September/StaffCare%2B-Sept-2025.pdf) ### AIA **AIA Private Health** `aia/private-health` — wording effective 2026-05-16 — confidence `verified` Non-Pharmac subsidised drugs are excluded generally: 'Drugs required for your particular treatment that are not subsidised by Pharmac, except for the drugs required for the chemotherapy benefit under Cancer Care in AIA Private Health Cover.' Under Cancer Care, the policy covers 'the cost of Pharmac and non-Pharmac subsidised MedSafe indicated cancer chemotherapy and immunotherapy drugs, subject to AIA criteria.' No specific mention of Keytruda by name. > Source: [https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/health/aia-private-health-umbrella-policy-wording.pdf](https://www.aia.co.nz/content/dam/nz/en/docs/our-products/policy-wordings/health/aia-private-health-umbrella-policy-wording.pdf) ### nib **Easy Health** `nib/easy-health` — wording effective 2024-09-20 — confidence `inferred` Medications must be registered and approved by Medsafe, prescribed and administered within Medsafe guidelines, prescribed by the treating specialist or GP, and funded by PHARMAC for the treatment needed at the time of treatment. If the cost is not fully funded by PHARMAC but meets these criteria, nib pays the difference up to the relevant benefit limit. Medications not funded by PHARMAC are generally excluded. The Non-PHARMAC Cancer Treatment Benefit covers chemotherapy or immunotherapy medicines administered in a private hospital that are not funded by PHARMAC at time of treatment and are Medsafe-approved, up to $20,000 per insured person per policy year (deducted from overall benefit limit); medicines administered or charged in a public hospital and non-Medsafe-approved medicines are excluded under this benefit. The Non-PHARMAC Plus Option (if selected) covers Medsafe-approved medicines not funded by PHARMAC, used in a private hospital or at home for up to six months post-admission for approved treatment, up to the benefit limit per policy year; no excess applies; hospital services are not covered under this Option. Medications issued solely for home use (unless covered under a specific benefit), prescribed in a public hospital, or used for a purpose not funded by PHARMAC are not covered. > Source: [https://assets.ctfassets.net/px2565zobjcl/6cvBkC1suOUs7v5HKNIZX5/a5d1a25eb5608458dbedb21fe97ac431/Easy-Health-Policy-Document-Final-20.9.24.pdf](https://assets.ctfassets.net/px2565zobjcl/6cvBkC1suOUs7v5HKNIZX5/a5d1a25eb5608458dbedb21fe97ac431/Easy-Health-Policy-Document-Final-20.9.24.pdf) **Ultimate Health** `nib/ultimate-health` — wording effective 2025-11-24 — confidence `inferred` Cancer Treatment Benefit covers medications administered in a private hospital as part of chemotherapy, immunotherapy, radiotherapy or brachytherapy up to the Non-Surgical Benefit limit. The Non-PHARMAC Cancer Treatment Benefit separately covers chemotherapy or immunotherapy medicines administered in a private hospital that are not funded by PHARMAC at the time of treatment, up to $20,000 per insured person every policy year (deducted from the overall benefit limit). Medicines administered or charged in a public hospital are not covered under the Non-PHARMAC benefit, nor are medicines not approved by Medsafe. > Source: [https://assets.ctfassets.net/ja9v5o5o08yv/2I5CHtqWsDwQ2YtNOeSmFP/e2f58e9bf22d97e6cb7400f7181d6583/ultimate-health-policy-from-24-Nov-2025.pdf](https://assets.ctfassets.net/ja9v5o5o08yv/2I5CHtqWsDwQ2YtNOeSmFP/e2f58e9bf22d97e6cb7400f7181d6583/ultimate-health-policy-from-24-Nov-2025.pdf) **Ultimate Health Max** `nib/ultimate-health-max` — wording effective 2024-02-01 — confidence `verified` Medicines funded by PHARMAC are covered as in-hospital pharmaceutical prescriptions under the Surgical and Non-Surgical Benefits. Non-PHARMAC funded medicines are covered under the Non-PHARMAC Funded Medicines in Hospital Benefit (up to the remaining Surgical or Non-Surgical Benefit limit) and the Non-PHARMAC Funded Medicines at Home Benefit (for up to six months after private hospital admission, up to the remaining Surgical or Non-Surgical Benefit limit), provided the medicine is approved by Medsafe and used within Medsafe approval. The Non-PHARMAC Plus Option provides an additional benefit limit (specified on the Acceptance or Renewal Certificate) for non-PHARMAC funded medicines after specialist referral, covering medicines approved by Medsafe and used within Medsafe approval, that are not funded by PHARMAC at the time of treatment. No specific Keytruda example is mentioned in the available text. > Source: [https://assets.ctfassets.net/ja9v5o5o08yv/7Acf9tvW7QiaF1lSLqnV0p/8282b54901949d83eeda17b5398ea67c/Ultimate_Health_Max_Policy_Document__effective_for_new_policies_or_policies_renewing_from_1_February_2024_or_later_.pdf](https://assets.ctfassets.net/ja9v5o5o08yv/7Acf9tvW7QiaF1lSLqnV0p/8282b54901949d83eeda17b5398ea67c/Ultimate_Health_Max_Policy_Document__effective_for_new_policies_or_policies_renewing_from_1_February_2024_or_later_.pdf) ### Southern Cross **KiwiCare** `southern-cross/kiwicare` — wording effective 2026-04-01 — confidence `verified` Chemotherapy for cancer (base) covers Pharmac approved chemotherapy drugs and up to $8,000 each claims year for chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated for treatment of the cancer diagnosed. Cancer Cover Plus upgrades (Chemotherapy 100 and Chemotherapy 300) cover both Pharmac approved and non-Pharmac approved but Medsafe-indicated chemotherapy drugs with no separate sub-limit for non-Pharmac drugs, up to the respective annual limit. IV infusions (non-cancer) do not cover the cost of drugs that are not Pharmac approved. Allergy services do not cover the cost of drugs that are not Pharmac approved. RegularCare prescriptions exclude cover for drugs that are not Pharmac approved. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_KiwiCare_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_KiwiCare_plan.pdf) **RegularCare** `southern-cross/regularcare` — wording effective 2026-04-01 — confidence `verified` Generally, drugs must be Pharmac approved to be covered. Under the 'Chemotherapy for cancer (base)' benefit, up to $8,000 each claims year is available for chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated for treatment of the diagnosed cancer; the Cancer Cover Plus upgrades (Chemotherapy 100 and Chemotherapy 300) cover non-Pharmac-approved but Medsafe-indicated chemotherapy drugs without a stated sub-limit (subject to the overall annual cap). The 'IV infusions (non-cancer)' benefit covers IV infusions of Medsafe-indicated drugs but does not cover the cost of drugs that are not Pharmac approved. The 'Day-to-day treatment' prescriptions benefit excludes cover for drugs that are not Pharmac approved. If drugs would require special authority from Pharmac in a public facility, they are only covered if the same special authority criteria are met. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_RegularCare_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_RegularCare_plan.pdf) **UltraCare** `southern-cross/ultracare` — wording effective 2026-04-01 — confidence `inferred` Under the Chemotherapy for cancer (base) benefit: Pharmac approved chemotherapy drugs are covered within the $60,000 annual limit; chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated for treatment of the diagnosed cancer are covered up to $10,000 each claims year (included within the $60,000 limit). Under Cancer Cover Plus upgrades (Chemotherapy 100 and Chemotherapy 300): both Pharmac approved and non-Pharmac approved but Medsafe-indicated chemotherapy drugs are covered without a separate sub-limit, up to $100,000 or $300,000 each claims year respectively. Under the IV infusions (non-cancer) benefit: drugs that are not Pharmac approved are not covered. Under the Day-to-day treatment prescriptions benefit: drugs that are not Pharmac approved are excluded. Under Allergy services: drugs that are not Pharmac approved are not covered. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_UltraCare_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_UltraCare_plan.pdf) **Wellbeing Modules** `southern-cross/wellbeing-modules` — wording effective 2026-04-01 — confidence `low` Prescriptions cover excludes cover for drugs that are not Pharmac approved > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Sales-collateral/Plan-documents/BS-Wellbeing-Modules.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Sales-collateral/Plan-documents/BS-Wellbeing-Modules.pdf) **Wellbeing One** `southern-cross/wellbeing-one` — wording effective 2026-04-01 — confidence `inferred` Chemotherapy for cancer (base) covers Pharmac approved chemotherapy drugs and up to $10,000 each claims year for chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated for treatment of the cancer diagnosed. Under the Cancer Cover Plus upgrades (Chemotherapy 100 or Chemotherapy 300), chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated are covered without a separate sub-limit, subject to the overall annual cap ($100,000 or $300,000). The IV infusions (non-cancer) benefit does not cover the cost of drugs that are not Pharmac approved. The Allergy services benefit does not cover the cost of drugs that are not Pharmac approved. The Keeping Well Module and Day-to-day Module prescription benefits exclude cover for drugs that are not Pharmac approved. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf) **Wellbeing Two** `southern-cross/wellbeing-two` — wording effective 2026-04-01 — confidence `inferred` Pharmac approved chemotherapy drugs are covered under the Chemotherapy for cancer (base) benefit ($60,000 each claims year). Non-Pharmac approved but Medsafe-indicated chemotherapy drugs are covered up to $10,000 each claims year within that $60,000 limit under the base benefit. Under Cancer Cover Plus upgrades (Chemotherapy 100 or Chemotherapy 300), chemotherapy drugs that are not Pharmac approved but are Medsafe-indicated are covered up to the upgraded annual limit ($100,000 or $300,000) with no separate sub-limit for non-Pharmac drugs. IV infusions (non-cancer) do not cover the cost of drugs that are not Pharmac approved. Allergy services do not cover the cost of drugs that are not Pharmac approved. Optional modules (Keeping Well and Day-to-day) exclude cover for drugs that are not Pharmac approved. > Source: [https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf](https://www.southerncross.co.nz/-/media/Southern-Cross-Health-Society/Health-insurance/Member-collateral/Plan-documents/Current-plan-documents/PD_Wellbeing_plan.pdf) ### UniMed **Health Positive** `unimed/health-positive` — wording effective 2025-08-01 — confidence `inferred` 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. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Health_Positive_Plan.pdf) **Hospital Select** `unimed/hospital-select` — wording effective 2025-08-01 — confidence `low` 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. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Hospital_Select_Plus_Modules_Plan.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/Hospital_Select_Plus_Modules_Plan.pdf) **ParentStay** `unimed/parentstay` — wording effective 2025-10-01 — confidence `inferred` 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. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/ParentStay-Health-Plan-2025.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/ParentStay-Health-Plan-2025.pdf) **UniCare Advantage** `unimed/unicare-advantage` — wording effective 2025-08-01 — confidence `low` Pharmac-approved chemotherapy drugs are covered under the Chemotherapy benefit (up to $55,000 per policy year). Non-Pharmac chemotherapy drugs that are Medsafe approved for the treatment of cancer are covered up to $8,500 per annum within the Chemotherapy benefit. Non-Pharmac subsidised pharmaceuticals (prescribed by a Registered Medical Practitioner, approved by Medsafe, and not fully or partly subsidised by Pharmac through the New Zealand Pharmaceutical Schedule) are covered up to $330 per policy year under both the In-Patient Non-Pharmac Subsidised Pharmaceuticals benefit and the General Medical Expenses Non-Pharmac Subsidised Pharmaceuticals benefit. User part charges for prescription items on the New Zealand Pharmaceutical Schedule are covered up to $240 per policy year. > Source: [https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/UniCare_Advantage_Plan.pdf](https://www.unimed.co.nz/assets/PlansAndDocs/Health-Plans/UniCare_Advantage_Plan.pdf) ## Other comparison topics - [ACC Interaction in NZ Health Insurance](/api/topic/acc-interaction/summary.md) — `acc-interaction` - [Mental Health Cover in NZ Health Insurance](/api/topic/mental-health-cover/summary.md) — `mental-health-cover` - [Pre-Existing Conditions and NZ Health Insurance](/api/topic/pre-existing-conditions/summary.md) — `pre-existing-conditions` - [IVF and Assisted Reproduction Cover in NZ Health Insurance](/api/topic/ivf-and-assisted-reproduction/summary.md) — `ivf-and-assisted-reproduction` - [Oncology and High-Cost Cancer Drugs in NZ Health Insurance](/api/topic/oncology-high-cost-drugs/summary.md) — `oncology-high-cost-drugs` - [Gap Payment Rules in NZ Health Insurance](/api/topic/gap-payment-rules/summary.md) — `gap-payment-rules` ## Coverage notes - Insurers in this comparison: Accuro, AIA, nib, Southern Cross, UniMed - Products compared: 20 active retail products - Each product links to its source PDF + structured machine-readable facts at `/api/product/{insurer}/{product}/facts.json` - This page is generated from `insurance.wording_facts` JSONB rows in our Supabase data layer ## Citation Cite as: "Pharmac vs Non-Pharmac Drug Cover in NZ Health Insurance", healthinsurancecomparison.co.nz, accessed 2026-05-16. Canonical URL: https://healthinsurancecomparison.co.nz/api/topic/pharmac-vs-non-pharmac/summary.md License: CC BY 4.0 — attribute https://healthinsurancecomparison.co.nz Primary sources: each insurer's policy wording PDF linked inline above. Generated 2026-05-16T12:54:41.976Z.