UniMed
What does UniMed Hospital Select cover?
Hospital Select is a health insurance plan from UniMed. Its policy wording (effective 1 August 2025) sets a $1,000 mental health sublimit and 9 listed exclusions.
What are the waiting periods on Hospital Select?
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 Hospital Select have?
No excess amounts were extracted from this wording; excess is usually chosen on application.
What are the benefit limits on Hospital Select?
| Benefit | Limit |
|---|---|
| Home nursing per day | $150 |
| Module g gp per visit | $65 |
| Post operative therapy | $1,500 |
| Ambulance per policy year | $200 |
| Bereavement grant per life | $2,400 |
| Spinal surgery per lifetime | $200,000 |
| Chemotherapy per policy year | $65,000 |
| Home nursing per policy year | $6,000 |
| Mental health per policy year | $1,000 |
| Module d optometrist per visit | $75 |
| Module g after hours per visit | $70 |
| Module d dental per policy year | $600 |
| Module s imaging per policy year | $7,500 |
| Overseas transplant per lifetime | $20,000 |
| Module g practice nurse per visit | $65 |
| Radiation oncology per policy year | $65,000 |
| Module d orthoptist per policy year | $300 |
| Module g laboratory tests per visit | $100 |
| Module s obstetrics per policy year | $1,000 |
| Hospital cash allowance per 24 hours | $150 |
| Module d optometrist per policy year | $300 |
| Module s specialists per policy year | $5,000 |
| Loyalty sterilisation per policy year | $5,000 |
| Minor skin lesions gp per policy year | $2,000 |
| Module n wellness check every 3 years | $100 |
| Imaging ct mri pet etc per policy year | $300,000 |
| Module g prescriptions per policy year | $400 |
| Parent support accommodation per night | $150 |
| Hospital cash allowance per policy year | $1,800 |
| Medical hospitalisation per policy year | $65,000 |
| Loyalty prophylactic surgery per lifetime | $40,000 |
| Medical hospitalisation ancillary charges | $500 |
| Loyalty overseas treatment per policy year | $30,000 |
| Module s hearing aid grant per policy year | $1,000 |
| Breast symmetry post mastectomy per lifetime | $6,500 |
| Parent support accommodation per policy year | $600 |
| Module d spectacles and lenses per policy year | $500 |
| Specialists prior post admission per policy year | $300,000 |
| Acute private hospitalisation grant per policy year | $5,000 |
| Module g loyalty psychiatric consultations per visit | $150 |
| Module g non pharmac pharmaceuticals per policy year | $1,000 |
| Psychiatric geriatric hospitalisation per policy year | $5,000 |
| Surveillance colonoscopy or gastroscopy per 24 months | $2,500 |
| Minor surgery registered medical practitioner per visit | $500 |
| Surveillance following cancer treatment per policy year | $3,000 |
| Loyalty obesity or breast reduction surgery per lifetime | $8,000 |
| Module n osteopath chiropractor combined per policy year | $200 |
| Imaging xray mammography ultrasound nuclear per policy year | $300,000 |
| Module n natural health practitioners combined per policy year | $800 |
| In patient non pharmac subsidised pharmaceuticals per policy year | $2,000 |
| Module g loyalty psychiatric consultations per policy year visits | $3 |
| Non pharmac chemotherapy drugs within chemotherapy benefit per policy year | $10,000 |
What does Hospital Select not cover?
- Breast reconstruction required as a result of a prophylactic mastectomy is not included.
- Costs for personal items such as food/food substitutes, materials or garments are excluded.
- Surveillance Following Cancer Treatment is not available for skin cancers/lesions removed by a minor surgery procedure performed by a specialist in their specialist room or a general practitioner in their practice room.
- Not included in cover is tooth exposure, implantation of teeth or costs of dental implants.
- All injury admissions excluded (Hospital Cash Allowance).
- Reimbursement of travel or accommodation costs is excluded (Overseas Treatment loyalty benefit).
- Spectacles/lenses replacement for loss or breakage excluded.
- Excluding removal of implants or cosmetic reduction (Obesity Surgery or Breast Reduction Surgery loyalty benefit).
- Breast reconstruction is not included under the Prophylactic Surgery loyalty benefit.
All UniMed exclusions side by side: UniMed exclusions.
How does Hospital Select handle Pharmac drugs, ACC, mental health and pre-existing conditions?
Pharmac vs non-Pharmac drug cover
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.
ACC interaction
For Accident Surgery: Before Qualifying Surgical Procedures are undertaken UniMed must receive written confirmation from ACC regarding their decision to either accept or decline the claim for surgery. Qualifying Injury Claims that ACC agree to accept will also be accepted by UniMed for 'top-up' coverage to the benefit levels applicable to the Private Hospitalisation Surgical Benefits section. If ACC decline the claim UniMed will, at its sole discretion either assist with the total cost of surgery or pay the difference between the actual cost of surgery and what ACC would have contributed had the claim been accepted by them to the levels applicable to the Private Hospitalisation Surgical Benefits section. For ACC Top Up Benefit (across base plan and modules): The 'shortfall' between actual costs and ACC refunds for out of hospital expenses incurred as a result of qualifying personal injury or employment related conditions are covered to the limits shown. For a claim to qualify, ACC must have provided financial assistance towards treatment costs. Emergency ambulance benefit excludes injuries.
Mental health cover
Annual sublimit: $1,000
Psychiatric/Geriatric Hospitalisation in a Licensed Private Hospital, on admission and under the care of a Specialist Psychiatrist/Geriatrician. Refund of Hospital Accommodation fees and ancillary hospital charges up to $5,000 per policy year. Separate Mental Health benefit covers costs of reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor (registered with their relevant NZ professional body) up to $1,000 per policy year. Medical Hospitalisation benefit excludes Psychiatric/Geriatric admissions.
IVF and assisted reproduction
IVF cover is not mentioned in the policy wording; it is not listed as a covered benefit.
Oncology and high-cost cancer drugs
Under the Chemotherapy benefit, Non-Pharmac chemotherapy drugs that are Medsafe approved for the treatment of cancer are included in cover up to a maximum of $10,000 per annum, within an overall Chemotherapy benefit limit of $65,000 per policy year. The In-Patient Non-Pharmac Subsidised Pharmaceuticals benefit also covers Medsafe-approved pharmaceuticals not fully or partly subsidised by Pharmac, up to $2,000 per policy year.
Gap payment rules
Benefits in all sections refund 100% of the Reasonable Charges limited to the benefit maximums for any admission (Private Hospitalisation Surgical Benefits section). Other sections refund 100% of actual medical costs to the specified maximums. The policy does not describe a formal 'gap payment' scheme between insurer and provider beyond these reimbursement structures.
Get a quote for Hospital Select
Our FMA-licensed adviser can quote Hospital Select alongside other NZ health insurers and check the wording against your situation.
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More on Hospital Select
- Wording change history
- UniMed review (all plans)
- Machine-readable: facts.json · wording.md
Other UniMed plans: Health Positive · ParentStay · UniCare Advantage