Compare NZ Health Insurance — All Active Products
23 active retail health insurance products from 6 NZ insurers. Every fact below is extracted from the insurer's current published policy wording PDF.
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All active products
View as API (llms.txt)
AA Health Everyday Cover
Wording effective 2026-05-16
- dental $450
- eye care $200
- gp and prescriptions $150
Pharmac: Under the GP and Prescriptions Benefit, only pharmaceutical prescriptions for medicines that are funded by PHARMAC at the time of…
Health Positive
⚠ Credit-rating outlook downgraded to "Negative" ⓘ
Mutual society. AM Best revised outlook from Stable to NEGATIVE Oct 2025 due to claims-inflation-driven underwriting losses (combined ratio 116.4% FY24). Bound terms in master Terms & Conditions doc.
Wording effective 2016-01-22
Hospital Select
⚠ Credit-rating outlook downgraded to "Negative" ⓘ
Mutual society. AM Best revised outlook from Stable to NEGATIVE Oct 2025 due to claims-inflation-driven underwriting losses (combined ratio 116.4% FY24). Bound terms in master Terms & Conditions doc.
Wording effective 2018-01-25
KidSmart
⚠ No longer underwriting new policies ⓘ
Accuro Insurance Limited licence cancelled 2024-05-31; portfolio transferred to UniMed (Union Medical Benefits Society). Brand continues as a UniMed-group product line. Existing Accuro wordings remain in force for legacy members; financial-strength rating is now UniMed's. New business sold under UniMed rating + entity.
Wording effective 2026-05-16
- oral surgery $300,000
- mental health $1,000
- general surgery $500,000
Pharmac: Prescription drugs covered under modules (other than the non-Pharmac drugs benefit) must be listed under section A to I of the Ph…
Pre-existing: A pre-existing condition is any health or medical condition that you or any child was aware of, or were experiencing signs or sym…
KiwiCare
Wording effective 2026-04-01
- chemotherapy base $48,000
- chemotherapy 100 upgrade $100,000
- chemotherapy 300 upgrade $300,000
Pharmac: Chemotherapy for cancer (base) covers Pharmac approved chemotherapy drugs and up to $8,000 each claims year for chemotherapy drug…
Pre-existing: We don't cover any costs related to, or incurred as a consequence of, any pre-existing conditions unless we've clearly stated oth…
ParentStay
⚠ Credit-rating outlook downgraded to "Negative" ⓘ
Mutual society. AM Best revised outlook from Stable to NEGATIVE Oct 2025 due to claims-inflation-driven underwriting losses (combined ratio 116.4% FY24). Bound terms in master Terms & Conditions doc.
Wording effective 2025-10-01
- cancer care $100,000
- mental health $1,000
- return of remains $50,000
Pharmac: All prescription drugs and medication covered under the policy must be: registered and approved by Medsafe for use in New Zealand…
Pre-existing: Pre-existing conditions are not covered unless accepted by us. A pre-existing condition means any health or medical condition you…
AA Private Hospital Cover
Wording effective 2023-10-01
- surgical $300,000
- non surgical $200,000
- physiotherapy $750
Pharmac: Base Cover only covers medications that are funded by PHARMAC for the treatment needed at the time of treatment (and registered/a…
Pre-existing: Any sign, symptom, treatment, or surgery of any condition that happened on or before the insured person's join date that the poli…
AA Private Hospital + Specialist Cover
Wording effective 2026-05-16
- surgical benefit $300,000
- non surgical benefit $200,000
- gp surgery $750
Pharmac: Medications claimed under the policy must be funded by PHARMAC for the treatment needed at the time of treatment (unless a specif…
Pre-existing: A pre-existing condition is any sign, symptom, treatment, or surgery of any condition that happened on or before the insured pers…
RegularCare
Wording effective 2026-04-01
- chemotherapy base $48,000
- chemotherapy 100 upgrade $100,000
- chemotherapy 300 upgrade $300,000
Pharmac: Generally, drugs must be Pharmac approved to be covered. Under the 'Chemotherapy for cancer (base)' benefit, up to $8,000 each cl…
Pre-existing: The policy does not cover any costs related to, or incurred as a consequence of, any pre-existing conditions unless clearly state…
SmartCare
⚠ No longer underwriting new policies ⓘ
Accuro Insurance Limited licence cancelled 2024-05-31; portfolio transferred to UniMed (Union Medical Benefits Society). Brand continues as a UniMed-group product line. Existing Accuro wordings remain in force for legacy members; financial-strength rating is now UniMed's. New business sold under UniMed rating + entity.
Wording effective 2026-05-16
- specialist consultation $5,000
- gp visit $55
- home nursing $6,000
Pharmac: Unless outlined differently in the policy, prescription drugs must be listed under section A to I of the Pharmac Schedule (note t…
Pre-existing: A pre-existing condition is any health or medical condition that you're aware of, or were experiencing signs or symptoms of, befo…
SmartCare+
⚠ No longer underwriting new policies ⓘ
Accuro Insurance Limited licence cancelled 2024-05-31; portfolio transferred to UniMed (Union Medical Benefits Society). Brand continues as a UniMed-group product line. Existing Accuro wordings remain in force for legacy members; financial-strength rating is now UniMed's. New business sold under UniMed rating + entity.
Wording effective 2026-05-16
- specialist consultation $5,000
- gp visit $55
- dental cover $500
Pharmac: Standard prescription drugs (under the GP+ module) must be listed under sections A to I of the Pharmac Schedule, Pharmac-approved…
Pre-existing: A pre-existing condition is any health or medical condition that the member is aware of, or was experiencing signs or symptoms of…
SmartStay
⚠ No longer underwriting new policies ⓘ
Accuro Insurance Limited licence cancelled 2024-05-31; portfolio transferred to UniMed (Union Medical Benefits Society). Brand continues as a UniMed-group product line. Existing Accuro wordings remain in force for legacy members; financial-strength rating is now UniMed's. New business sold under UniMed rating + entity.
Wording effective 2026-05-16
- oral surgery $150,000
- general surgery $150,000
- ct scans per year $2,500
Pharmac: Unless outlined differently in the policy, prescription drugs must be listed on the Pharmac Schedule (note that section H is only…
Pre-existing: All pre-existing conditions must be disclosed at application. A pre-existing condition is any health or medical condition the mem…
StaffCare
⚠ No longer underwriting new policies ⓘ
Accuro Insurance Limited licence cancelled 2024-05-31; portfolio transferred to UniMed (Union Medical Benefits Society). Brand continues as a UniMed-group product line. Existing Accuro wordings remain in force for legacy members; financial-strength rating is now UniMed's. New business sold under UniMed rating + entity.
Wording effective 2026-05-16
- ct scan $2,500
- mri scan $3,000
- pet scan $2,500
Pharmac: Prescription drugs are only covered under the GP module (up to $20 per item, maximum $300 per person per policy year) for drugs o…
Pre-existing: Pre-existing conditions are excluded unless accepted by the insurer. With group insurance schemes, cover for pre-existing conditi…
StaffCare+
⚠ No longer underwriting new policies ⓘ
Accuro Insurance Limited licence cancelled 2024-05-31; portfolio transferred to UniMed (Union Medical Benefits Society). Brand continues as a UniMed-group product line. Existing Accuro wordings remain in force for legacy members; financial-strength rating is now UniMed's. New business sold under UniMed rating + entity.
Wording effective 2026-05-16
- gp visit $55
- oral surgery $300,000
- general surgery $300,000
Pharmac: Prescription drugs (outside hospital) must be listed under section A to I of the Pharmac Schedule (section H only if used during …
Pre-existing: Our Health Plans are set up to cover treatment of signs, symptoms and conditions that arise after your policy has started. Howeve…
UltraCare
Wording effective 2026-04-01
- chemotherapy base $60,000
- chemotherapy 100 upgrade $100,000
- chemotherapy 300 upgrade $300,000
Pharmac: Under the Chemotherapy for cancer (base) benefit: Pharmac approved chemotherapy drugs are covered within the $60,000 annual limit…
Pre-existing: Pre-existing conditions are excluded unless clearly stated otherwise on the membership certificate. This exclusion does not apply…
UniCare Advantage
⚠ Credit-rating outlook downgraded to "Negative" ⓘ
Mutual society. AM Best revised outlook from Stable to NEGATIVE Oct 2025 due to claims-inflation-driven underwriting losses (combined ratio 116.4% FY24). Bound terms in master Terms & Conditions doc.
Wording effective 2025-08-01
- specialist consultation $4,000
- psychiatric hospitalisation $3,500
- ambulance $160
Pharmac: Pharmac-approved chemotherapy drugs are covered under the Chemotherapy benefit (up to $55,000 per policy year). Non-Pharmac chemo…
Wellbeing Modules
Wording effective 2026-04-01
- physiotherapy $300
- body care podiatry $250
- day to day gp per visit $65
Pharmac: Prescriptions cover excludes cover for drugs that are not Pharmac approved
Wellbeing One
Wording effective 2026-04-01
- chemotherapy base $60,000
- chemotherapy 100 upgrade $100,000
- chemotherapy 300 upgrade $300,000
Pharmac: Chemotherapy for cancer (base) covers Pharmac approved chemotherapy drugs and up to $10,000 each claims year for chemotherapy dru…
Pre-existing: Pre-existing conditions are excluded unless clearly stated otherwise on the membership certificate. This exclusion does not apply…
Wellbeing Two
Wording effective 2026-04-01
- chemotherapy base $60,000
- chemotherapy 100 upgrade $100,000
- chemotherapy 300 upgrade $300,000
Pharmac: Pharmac approved chemotherapy drugs are covered under the Chemotherapy for cancer (base) benefit ($60,000 each claims year). Non-…
Pre-existing: We don't cover any costs related to, or incurred as a consequence of, any pre-existing conditions unless we've clearly stated oth…
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