UniMed
What does UniMed Health Positive cover?
Health Positive is a health insurance plan from UniMed. Its policy wording (effective 1 August 2025) sets a $1,000 mental health sublimit and 4 listed exclusions.
What are the waiting periods on Health Positive?
No general waiting period is on file for this plan. That is not the same as no wait: check the pre-existing conditions section below and the PDF.
Only general waits stated in the wording are shown. Individual benefits can have their own, longer waits (some start only after 3 years of continuous cover), and your policy certificate can list personal exclusions, so confirm in the policy wording.
Compare across insurers: NZ health insurance waiting periods.
What excess options does Health Positive have?
No excess amounts were extracted from this wording; excess is usually chosen on application.
What are the benefit limits on Health Positive?
| Benefit | Limit |
|---|---|
| Podiatry | $600 |
| Osteopath | $600 |
| Gp surgery | $500 |
| Homeopathy | $600 |
| Acupuncture | $600 |
| Chiropractic | $600 |
| Rongoa maori | $600 |
| Physiotherapy | $600 |
| Dental routine | $500 |
| Childbirth grant | $300 |
| Gp consultations | $300 |
| Optical eye test | $50 |
| Remedial massage | $600 |
| Loyalty screening | $750 |
| Dental orthodontics | $600 |
| Dental wisdom teeth | $500 |
| Prescriptions pharmac | $300 |
| Dietician nutritionist | $600 |
| Specialist consultation | $5,000 |
| Diagnostic investigations | $5,000 |
| Mental health consultations | $1,000 |
| Non pharmac pharmaceuticals | $300 |
| Optical glasses or contacts | $350 |
| Traditional chinese medicine | $600 |
| Loyalty psychiatric consultations | 150 per consultation, max 3 consultations per year |
What does Health Positive not cover?
- Major surgery
- Hospital visits
- Healthcare services performed in the specialists' rooms
- Costs for personal items such as food/food substitutes, materials or garments
All UniMed exclusions side by side: UniMed exclusions.
How does Health Positive handle Pharmac drugs, ACC, mental health and pre-existing conditions?
Pharmac vs non-Pharmac drug cover
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.
Mental health cover
Annual sublimit: $1,000
Costs of reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor are covered up to $1,000 per annum (3-month no-claiming period). 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 association. Hospital or inpatient mental health admissions are excluded as the plan excludes hospital visits.
Pre-existing conditions
Cover for pre-existing conditions is included so we do not require you to provide details of your medical history. If you choose to upgrade to a UniMed surgical plan, you will need to complete a full health declaration relating to your medical conditions at the time of upgrade.
IVF and assisted reproduction
Not mentioned in the policy wording; the plan excludes major surgery and hospital visits, and no IVF benefit is described.
Get a quote for Health Positive
Our FMA-licensed adviser can quote Health Positive alongside other NZ health insurers and check the wording against your situation.
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More on Health Positive
- Wording change history
- UniMed review (all plans)
- Machine-readable: facts.json · wording.md
Other UniMed plans: Hospital Select · ParentStay · UniCare Advantage