Does Accuro SmartCare+ cover accidents (or top up ACC)?

Verbatim from the policy wording

SmartCare+ is designed to complement ACC and will not cover claims related to accidents that ACC covers. If ACC does not cover the full amount for treatment, the policy may pay the difference if the treatment is covered under the policy. The full payment option (where ACC contracts a provider and pays the total cost) should be the member's first choice. Under the ACC partial payment option, SmartCare+ covers the difference in cost up to Reasonable charges or the benefit limit, whichever is less. If ACC declines cover, UniMed may ask for a review or appeal, requiring the member to provide the ACC decline letter within 3 months. If ACC refuses or stops cover due to non-compliance by the member, the member cannot claim under the policy. Any ACC reimbursement is deducted from the total before assessing the amount under the policy benefit. The ACC top-up benefit covers any shortfall between what ACC pays and the actual costs of the surgical procedure or medical treatment in an approved private hospital or facility, subject to the excess and benefit maximums.

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

Relevant exclusions in the wording

• Any pre-existing conditions, unless accepted by us
• Vaccination against any disease or condition
• Any expense recoverable from a third party or insurance or any statutory scheme or any government-funded scheme or agent (for example, ACC)
• Any medical costs declined by ACC if injury is caused by an accident outside New Zealand