Accuro health insurance — what's not covered

53 exclusions from wording effective 2026-05-16 · source PDF ↗

• attention-deficit or hyperactivity disorder
• autism spectrum disorder
• dyslexia
• geriatric care including geriatric hospitalisation
• intellectual disability (intellectual developmental disorder)
• motor disorders (including but not limited to Tourette's disorder)
• pre-senile dementia
• senile illness or dementia
• specific learning disorders
• Any acute care
• Any long-term care
• Palliative care as defined by us (except where this policy specifies otherwise)
• Any pre-existing conditions, unless accepted by us
• Any condition connected with the use of non-prescription drugs
• AIDS or HIV infection or any condition arising from the presence of AIDS, HIV infection or sexually transmitted diseases
• Congenital conditions diagnosed within 3 months of birth; this includes but is not limited to the investigation, treatment, or complications of any residual issues
• Any health condition as a consequence of war, invasion, act of foreign enemy, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, or military or usurped power
• Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
• Treatment, investigation, and diagnosis of infertility and assisted reproduction
• Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
• Termination of pregnancy
• preventative healthcare services and treatments, maintenance or health surveillance testing, genetic-testing, employment-related examinations or screening
• vaccination against any disease or condition
• convalescence
• Dental care: orthodontic, endodontic, orthognathic (jaw correction), periodontal treatment, implants, or tooth exposure
• Correction of visual errors or astigmatism — for example, consultations, surgery or laser treatment, surgically implanted intraocular lens(es), radial keratotomy, photo-reactive keratectomy, or any related complications
• Specialised transfusion of blood, blood products, or treatment for renal failure or renal dialysis
• Organ donation and receipt
• Specialised tertiary treatments such as transplants. This includes but is not limited to heart, lung, kidney, liver, bone marrow and stem cell transplants
• Cosmetic procedures or other enhancement or appearance medicine as defined by us
• Procedures or treatment relating to obesity or weight loss, performed for any reason
• Breast reduction or treatment of gynaecomastia, regardless of whether medically necessary
• Gender affirmation surgery/treatment or gender dysphoria
• Sleep disturbances, snoring, or sleep apnoea
• Robotically assisted surgery
• Chelation therapy or similar treatment as defined by us
• Circumcision, except where medically necessary
• Additional surgery performed during any operation that is not directly related to any medical condition or treatment covered under the terms of this policy
• A treatment or procedure that is provided by a registered medical practitioner practising outside his or her scope of practice
• New medical treatments, procedures, and technologies that have not been approved by us
• General practitioners' fees, prescription drugs, or medication (except where this policy specifies otherwise)
• 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
• Any medical costs incurred outside New Zealand
• Medical mishap or misadventure
• Any personal incidental expenses incurred whilst in hospital - for example, use of phone, family meals, soft drinks, or alcoholic beverages
• Any costs not specifically provided for under a benefit section outlined in the plan
• Personal health-related appliances; for example, hearing aids, personal alarms, orthotic shoes, crutches, wheelchairs, toilet seats, mouthguards, and artificial limbs
• 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
• Any costs not specifically related to the consultation or treatment such as administration costs or statement fees
• Disability or illness arising from misuse of alcohol, drugs, participation in a criminal act, or intentional self-injury
• Attempted suicide or suicide within 13 months from the start date of the plan

53 exclusions from wording effective 2026-05-16 · source PDF ↗

• attention-deficit or hyperactivity disorder
• autism spectrum disorder
• dyslexia
• geriatric care including geriatric hospitalisation
• intellectual disability (intellectual developmental disorder)
• motor disorders (including but not limited to Tourette's disorder)
• pre-senile dementia
• senile illness or dementia
• specific learning disorders
• Any acute care
• Any long-term care
• Palliative care as defined by us (except where this policy specifies otherwise)
• Any pre-existing conditions, unless accepted by us
• Any condition connected with the use of non-prescription drugs
• AIDS or HIV infection or any condition arising from the presence of AIDS, HIV infection or sexually transmitted diseases
• Congenital conditions diagnosed within 3 months of birth; this includes but is not limited to the investigation, treatment, or complications of any residual issues
• Any health condition as a consequence of war, invasion, act of foreign enemy, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, or military or usurped power
• Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
• Treatment, investigation, and diagnosis of infertility and assisted reproduction
• Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
• Termination of pregnancy
• preventative healthcare services and treatments, maintenance or health surveillance testing, genetic-testing, employment-related examinations or screening
• vaccination against any disease or condition
• convalescence
• Dental care: orthodontic, endodontic, orthognathic (jaw correction), periodontal treatment, implants, or tooth exposure
• Correction of visual errors or astigmatism — for example, consultations, surgery or laser treatment, surgically implanted intraocular lens(es), radial keratotomy, photo-reactive keratectomy, or any related complications
• Specialised transfusion of blood, blood products, or treatment for renal failure or renal dialysis
• Organ donation and receipt
• Specialised tertiary treatments such as transplants. This includes but is not limited to heart, lung, kidney, liver, bone marrow and stem cell transplants
• Cosmetic procedures or other enhancement or appearance medicine as defined by us
• Procedures or treatment relating to obesity or weight loss, performed for any reason
• Breast reduction or treatment of gynaecomastia, regardless of whether medically necessary
• Gender affirmation surgery/treatment or gender dysphoria
• Sleep disturbances, snoring, or sleep apnoea
• Robotically assisted surgery
• Chelation therapy or similar treatment as defined by us
• Circumcision, except where medically necessary
• Additional surgery performed during any operation that is not directly related to any medical condition or treatment covered under the terms of this policy
• A treatment or procedure that is provided by a registered medical practitioner practising outside his or her scope of practice
• New medical treatments, procedures, and technologies that have not been approved by us
• General practitioners' fees, prescription drugs, or medication (except where this policy specifies otherwise)
• 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
• Any medical costs incurred outside New Zealand
• Medical mishap or misadventure
• Any personal incidental expenses incurred whilst in hospital - for example, use of phone, family meals, soft drinks, or alcoholic beverages
• Any costs not specifically provided for under a benefit section outlined in the plan
• Personal health-related appliances; for example, hearing aids, personal alarms, orthotic shoes, crutches, wheelchairs, toilet seats, mouthguards, and artificial limbs
• 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
• Any costs not specifically related to the consultation or treatment such as administration costs or statement fees
• Disability or illness arising from misuse of alcohol, drugs, participation in a criminal act, or intentional self-injury
• Attempted suicide or suicide within 13 months from the start date of the plan

45 exclusions from wording effective 2026-05-16 · source PDF ↗

• Any acute care
• Any long-term care
• Palliative care as defined by us (except where this policy specifies otherwise)
• Any pre-existing conditions, unless accepted by us
• Any condition connected with the use of non-prescription drugs
• AIDS or HIV infection or any condition arising from the presence of AIDS, HIV infection or sexually transmitted diseases
• Congenital conditions diagnosed within 3 months of birth; this includes but is not limited to the investigation, treatment, or complications of any residual issues
• Any health condition as a consequence of war, invasion, act of foreign enemy, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, or military or usurped power
• Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
• Treatment, investigation, and diagnosis of infertility and assisted reproduction
• Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
• Termination of pregnancy
• Treatment for psychiatric, psychological and neurodevelopmental disorders including but not limited to attention-deficit or hyperactivity disorder, autism spectrum disorder, dyslexia, geriatric care including geriatric hospitalisation, intellectual disability (intellectual developmental disorder), motor disorders (including but not limited to Tourette's disorder), pre-senile dementia, senile illness or dementia, specific learning disorders
• Preventative healthcare services and treatments, maintenance or health surveillance testing, genetic-testing, employment-related examinations or screening
• Vaccination against any disease or condition
• Convalescence
• Dental care: orthodontic, endodontic, orthognathic (jaw correction), periodontal treatment, implants, or tooth exposure
• Correction of visual errors or astigmatism — for example, consultations, surgery or laser treatment, surgically implanted intraocular lens(es), radial keratotomy, photo-reactive keratectomy, or any related complications
• Specialised transfusion of blood, blood products, or treatment for renal failure or renal dialysis
• Organ donation and receipt
• Specialised tertiary treatments such as transplants. This includes but is not limited to heart, lung, kidney, liver, bone marrow and stem cell transplants
• Cosmetic procedures or other enhancement or appearance medicine as defined by us
• Procedures or treatment relating to obesity or weight loss, performed for any reason
• Breast reduction or treatment of gynaecomastia, regardless of whether medically necessary
• Gender affirmation surgery/treatment or gender dysphoria
• Sleep disturbances, snoring, or sleep apnoea
• Robotically assisted surgery, not including robotically assisted prostate surgery
• Chelation therapy or similar treatment as defined by us
• Circumcision, except where medically necessary
• Additional surgery performed during any operation that is not directly related to any medical condition or treatment covered under the terms of this policy
• A treatment or procedure that is provided by a registered medical practitioner practising outside his or her scope of practice
• New medical treatments, procedures, and technologies that have not been approved by us
• General practitioners' fees, prescription drugs, or medication (except where this policy specifies otherwise)
• 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
• Any medical costs incurred outside New Zealand
• Medical mishap or misadventure
• Any personal incidental expenses incurred whilst in hospital - for example, use of phone, family meals, soft drinks, or alcoholic beverages
• Any costs not specifically provided for under a benefit section outlined in the plan
• Personal health-related appliances; for example, hearing aids, personal alarms, orthotic shoes, crutches, wheelchairs, toilet seats, mouthguards, and artificial limbs
• 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
• Any costs not specifically related to the consultation or treatment such as administration costs or statement fees
• Disability or illness arising from misuse of alcohol, drugs, participation in a criminal act, or intentional self-injury
• Attempted suicide or suicide within 13 months from the start date of the plan

53 exclusions from wording effective 2026-05-16 · source PDF ↗

• attention-deficit or hyperactivity disorder
• autism spectrum disorder
• dyslexia
• geriatric care including geriatric hospitalisation
• intellectual disability (intellectual developmental disorder)
• motor disorders (including but not limited to Tourette's disorder)
• pre-senile dementia
• senile illness or dementia
• specific learning disorders
• Any long-term care
• Palliative care as defined by us (except where this policy specifies otherwise)
• Any pre-existing conditions, unless accepted by us
• Any condition connected with the use of non-prescription drugs
• AIDS or HIV infection or any condition arising from the presence of AIDS, HIV infection or sexually transmitted diseases
• Congenital conditions diagnosed within 3 months of birth; this includes but is not limited to the investigation, treatment, or complications of any residual issues
• Any health condition as a consequence of war, invasion, act of foreign enemy, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, or military or usurped power
• Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
• Treatment, investigation, and diagnosis of infertility and assisted reproduction
• Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
• Termination of pregnancy
• preventative healthcare services and treatments, maintenance or health surveillance testing, genetic-testing, employment-related examinations or screening
• vaccination against any disease or condition
• convalescence
• Dental care: orthodontic, endodontic, orthognathic (jaw correction), periodontal treatment, implants, or tooth exposure
• Correction of visual errors or astigmatism — for example, consultations, surgery or laser treatment, surgically implanted intraocular lens(es), radial keratotomy, photo-reactive keratectomy, or any related complications
• Specialised transfusion of blood, blood products, or treatment for renal failure or renal dialysis
• Organ donation and receipt
• Specialised tertiary treatments such as transplants. This includes but is not limited to heart, lung, kidney, liver, bone marrow and stem cell transplants
• Cosmetic procedures or other enhancement or appearance medicine as defined by us
• Procedures or treatment relating to obesity or weight loss, performed for any reason
• Breast reduction or treatment of gynaecomastia, regardless of whether medically necessary
• Gender affirmation surgery/treatment or gender dysphoria
• Sleep disturbances, snoring, or sleep apnoea
• Robotically assisted surgery
• Chelation therapy or similar treatment as defined by us
• Circumcision, except where medically necessary
• Additional surgery performed during any operation that is not directly related to any medical condition or treatment covered under the terms of this policy
• A treatment or procedure that is provided by a registered medical practitioner practising outside his or her scope of practice
• New medical treatments, procedures, and technologies that have not been approved by us
• General practitioners' fees, prescription drugs, or medication (except where this policy specifies otherwise)
• 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
• Any medical costs incurred outside New Zealand
• Medical mishap or misadventure
• Any personal incidental expenses incurred whilst in hospital - for example, use of phone, family meals, soft drinks, or alcoholic beverages
• Any costs not specifically provided for under a benefit section outlined in the plan
• Personal health-related appliances; for example, hearing aids, personal alarms, orthotic shoes, crutches, wheelchairs, toilet seats, mouthguards, and artificial limbs
• 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
• Any costs not specifically related to the consultation or treatment such as administration costs or statement fees
• Disability or illness arising from misuse of alcohol, drugs, participation in a criminal act, or intentional self-injury
• Attempted suicide or suicide within 13 months from the start date of the plan
• admission for convalescence, recovery, respite care, geriatric or senile care, obstetrics, mental health, psychiatric or psychological treatment or counselling, or recurrent health conditions

54 exclusions from wording effective 2026-05-16 · source PDF ↗

• attention-deficit or hyperactivity disorder
• autism spectrum disorder
• dyslexia
• geriatric care including geriatric hospitalisation
• intellectual disability (intellectual developmental disorder)
• motor disorders (including but not limited to Tourette's disorder)
• pre-senile dementia
• senile illness or dementia
• specific learning disorders
• Any acute care
• Any long-term care
• Palliative care as defined by us (except where this policy specifies otherwise)
• Any pre-existing conditions, unless accepted by us
• Any condition connected with the use of non-prescription drugs
• AIDS or HIV infection or any condition arising from the presence of AIDS, HIV infection or sexually transmitted diseases
• Congenital conditions diagnosed within 3 months of birth; this includes but is not limited to the investigation, treatment, or complications of any residual issues
• Any health condition as a consequence of war, invasion, act of foreign enemy, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, or military or usurped power
• Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or child
• Treatment, investigation, and diagnosis of infertility and assisted reproduction
• Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
• Termination of pregnancy
• preventative healthcare services and treatments, maintenance or health surveillance testing, genetic-testing, employment-related examinations or screening
• vaccination against any disease or condition
• convalescence
• Dental care: orthodontic, endodontic, orthognathic (jaw correction), periodontal treatment, implants, or tooth exposure
• Correction of visual errors or astigmatism — for example, consultations, surgery or laser treatment, surgically implanted intraocular lens(es), radial keratotomy, photo-reactive keratectomy, or any related complications
• Specialised transfusion of blood, blood products, or treatment for renal failure or renal dialysis
• Organ donation and receipt
• Specialised tertiary treatments such as transplants. This includes but is not limited to heart, lung, kidney, liver, bone marrow and stem cell transplants
• Cosmetic procedures or other enhancement or appearance medicine as defined by us
• Procedures or treatment relating to obesity or weight loss, performed for any reason
• Breast reduction or treatment of gynaecomastia, regardless of whether medically necessary
• Gender affirmation surgery/treatment or gender dysphoria
• Sleep disturbances, snoring, or sleep apnoea
• Robotically assisted surgery
• Chelation therapy or similar treatment as defined by us
• Circumcision, except where medically necessary
• Additional surgery performed during any operation that is not directly related to any medical condition or treatment covered under the terms of this policy
• A treatment or procedure that is provided by a registered medical practitioner practising outside his or her scope of practice
• New medical treatments, procedures, and technologies that have not been approved by us
• General practitioners' fees, prescription drugs, or medication (except where this policy specifies otherwise)
• 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
• Any medical costs incurred outside New Zealand
• Medical mishap or misadventure
• Any personal incidental expenses incurred whilst in hospital - for example, use of phone, family meals, soft drinks, or alcoholic beverages
• Any costs not specifically provided for under a benefit section outlined in the plan
• Personal health-related appliances; for example, hearing aids, personal alarms, orthotic shoes, crutches, wheelchairs, toilet seats, mouthguards, and artificial limbs
• 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
• Any costs not specifically related to the consultation or treatment such as administration costs or statement fees
• Disability or illness arising from misuse of alcohol, drugs, participation in a criminal act, or intentional self-injury
• Attempted suicide or suicide within 13 months from the start date of the plan
• Admission for convalescence, recovery, respite care, geriatric or senile care, obstetrics, mental health, psychiatric or psychological treatment or counselling, or recurrent health conditions (under private hospital medical admission benefit)

53 exclusions from wording effective 2026-05-16 · source PDF ↗

• attention-deficit or hyperactivity disorder
• autism spectrum disorder
• dyslexia
• geriatric care including geriatric hospitalisation
• intellectual disability (intellectual developmental disorder)
• motor disorders (including but not limited to Tourette's disorder)
• pre-senile dementia
• senile illness or dementia
• specific learning disorders
• Any acute care
• Any long-term care
• Palliative care as defined by us (except where this policy specifies otherwise)
• Any pre-existing conditions, unless accepted by us
• Any condition connected with the use of non-prescription drugs
• AIDS or HIV infection or any condition arising from the presence of AIDS, HIV infection or sexually transmitted diseases
• Congenital conditions diagnosed within 3 months of birth; this includes but is not limited to the investigation, treatment, or complications of any residual issues
• Any health condition as a consequence of war, invasion, act of foreign enemy, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, or military or usurped power
• Pregnancy, childbirth, miscarriage, or any associated conditions or complications for the mother, or foetus or Child
• Treatment, investigation, and diagnosis of infertility and assisted reproduction
• Sterilisation or contraception of any kind, or intrauterine devices (except a Mirena when used for medical reasons)
• Termination of pregnancy
• preventative healthcare services and treatments, maintenance or health surveillance testing, genetic-testing, employment-related examinations or screening
• vaccination against any disease or condition
• convalescence
• Dental care: orthodontic, endodontic, orthognathic (jaw correction), periodontal treatment, implants, or tooth exposure
• Correction of visual errors or astigmatism — for example, consultations, surgery or laser treatment, surgically implanted intraocular lens(es), radial keratotomy, photo-reactive keratectomy, or any related complications
• Specialised transfusion of blood, blood products, or treatment for renal failure or renal dialysis
• Organ donation and receipt
• Specialised tertiary treatments such as transplants. This includes but is not limited to heart, lung, kidney, liver, bone marrow and stem cell transplants
• Cosmetic procedures or other enhancement or appearance medicine as defined by us
• Procedures or treatment relating to obesity or weight loss, performed for any reason
• Breast reduction or treatment of gynaecomastia, regardless of whether medically necessary
• Gender affirmation surgery/treatment or gender dysphoria
• Sleep disturbances, snoring, or sleep apnoea
• Robotically assisted surgery
• Chelation therapy or similar treatment as defined by us
• Circumcision, except where medically necessary
• Additional surgery performed during any operation that is not directly related to any medical condition or treatment covered under the terms of this policy
• A treatment or procedure that is provided by a registered medical practitioner practising outside his or her scope of practice
• New medical treatments, procedures, and technologies that have not been approved by us
• General practitioners' fees, prescription drugs, or medication (except where this policy specifies otherwise)
• 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
• Any medical costs incurred outside New Zealand
• Medical mishap or misadventure
• Any personal incidental expenses incurred whilst in hospital - for example, use of phone, family meals, soft drinks, or alcoholic beverages
• Any costs not specifically provided for under a benefit section outlined in the plan
• Personal health-related appliances; for example, hearing aids, personal alarms, orthotic shoes, crutches, wheelchairs, toilet seats, mouthguards, and artificial limbs
• 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
• Any costs not specifically related to the consultation or treatment such as administration costs or statement fees
• Disability or illness arising from misuse of alcohol, drugs, participation in a criminal act, or intentional self-injury
• Attempted suicide or suicide within 13 months from the start date of the plan