ADHD diagnosis and ongoing support
ADHD assessment, psychiatrist cover, and non-Pharmac medication comparison.
You or a family member need ADHD assessment + diagnosis + ongoing psychiatric care, and you want cover that supports both the initial workup (psychiatrist + psychologist sessions) and ongoing review. Some ADHD medications are non-Pharmac in NZ, so non-Pharmac drug cover matters.
Top policies for this scenario
Ranked by aggregate semantic match across 5 scenario-specific queries. Score reflects clause-level fit, not premium. We don't know what you'd pay — get a quote for the shortlist.
- score 1.49
#1 · Southern Cross
UltraCare
Show matched clauses (3)
Query: "mental health psychiatrist consultation cover" · similarity 63% · weight 1
B – What the UltraCare plans cover > Consultations
Consultations are covered with certain specialists, psychiatrists, psychologists, and dietitians.
Source PDF →Query: "psychologist therapy session annual limit" · similarity 50% · weight 0.9
B – What the UltraCare plans cover > Consultations > Mental health consultations
**$1,500 each claims year** This benefit provides cover for consultations performed by a psychiatrist who is vocationally registered in psychiatry, or by a psychologist registered with the New Zealand Psychologists Board. We'll cover the reasonable charges incurred for consultations, to a maximum of $1,500 each claims year.
Source PDF →Query: "non-Pharmac mental health medication cover" · similarity 59% · weight 0.7
C – What the UltraCare plans don't cover > Healthcare services that we don't cover > Healthcare services related to mental health
We don't cover any costs related to healthcare services for mental health, except for what we cover under the following: - the 'Mental health consultations' benefit on page 13 - the 'Psychiatric hospitalisation' benefit on page 23 - the 'Day-to-day treatment' benefit on page 27.
Source PDF → - score 1.44
#2 · Accuro
SmartCare+
Watch out for
- Mental-health pre-existing exclusions are common and often broadly worded. If you have prior diagnoses, read the exclusion clause carefully.
Show matched clauses (5)
Query: "mental health psychiatrist consultation cover" · similarity 56% · weight 1
Additional modules > Specialist+ module > Specialist consultations > This includes:
**Mental health consultations** **$1,000 for each person in a policy year** This benefit covers the costs of *Reasonable charges* for consultations with a psychiatrist, psychologist, psychotherapist or counsellor. 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 wit…
Source PDF →Query: "psychologist therapy session annual limit" · similarity 49% · weight 0.9
Hospital and Surgical+ base plan > Other benefits > Mental health
**$1,000 for each person in a policy year** **No excess applies to this benefit** This benefit covers the costs of *Reasonable charges* for consultations with a psychiatrist, psychologist, psychotherapist or counsellor. 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 psychotherapi…
Source PDF →Query: "ADHD diagnosis and assessment" · similarity 46% · weight 0.9
What's not covered (exclusions) > Health conditions we don't cover > Psychiatric, psychological and neurodevelopmental disorders
We don't cover treatment or counselling for any psychiatric, psychological and neurodevelopmental disorders. This includes but isn't 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 Toure…
Source PDF →Query: "non-Pharmac mental health medication cover" · similarity 54% · weight 0.7
What's not covered (exclusions) > Health conditions we don't cover > Psychiatric, psychological and neurodevelopmental disorders
We don't cover treatment or counselling for any psychiatric, psychological and neurodevelopmental disorders. This includes but isn't 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 Toure…
Source PDF →Query: "mental health pre-existing exclusions" · similarity 58% · weight 0.6 (negative — counts against)
What you need to do > You must disclose pre-existing conditions
Our Health Plans are set up to cover treatment of signs, symptoms and conditions that arise after your policy has started. This means that when you apply for your policy, you must disclose all pre-existing conditions for all additional Members, including congenital conditions. A *pre-existing condition* is: - any health or medical condition that you're aware of, or were experiencing signs or sym…
Source PDF → - score 1.44
#3 · Accuro
StaffCare+
Watch out for
- Mental-health pre-existing exclusions are common and often broadly worded. If you have prior diagnoses, read the exclusion clause carefully.
Show matched clauses (5)
Query: "mental health psychiatrist consultation cover" · similarity 57% · weight 1
Specialist+ module > Specialist consultations > This includes:
**Mental health consultations** **$1,000 for each person in a policy year** This benefit covers the costs of Reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor. 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 …
Source PDF →Query: "psychologist therapy session annual limit" · similarity 50% · weight 0.9
Hospital and Surgical+ base plan > Other benefits > Mental health
**$1,000 for each person in a policy year** **No excess applies to this benefit** This benefit covers the costs of Reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor. 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 …
Source PDF →Query: "ADHD diagnosis and assessment" · similarity 46% · weight 0.9
What's not covered (exclusions) > Health conditions we don't cover > Psychiatric, psychological and neurodevelopmental disorders
We don't cover treatment or counselling for any psychiatric, psychological and neurodevelopmental disorders. This includes but isn't 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 Toure…
Source PDF →Query: "non-Pharmac mental health medication cover" · similarity 54% · weight 0.7
What's not covered (exclusions) > Health conditions we don't cover > Psychiatric, psychological and neurodevelopmental disorders
We don't cover treatment or counselling for any psychiatric, psychological and neurodevelopmental disorders. This includes but isn't 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 Toure…
Source PDF →Query: "mental health pre-existing exclusions" · similarity 60% · weight 0.6 (negative — counts against)
What you need to do > You must disclose pre-existing conditions
Our Health Plans are set up to cover treatment of signs, symptoms and conditions that arise after your policy has started. However, with group insurance schemes we offer cover for pre-existing conditions in certain circumstances. This means you can apply for treatment for health conditions that existed before the start of your policy. The exclusions listed on pages 18 to 20 still apply. If you're…
Source PDF → - score 1.03
#4 · Southern Cross
RegularCare
Show matched clauses (2)
Query: "mental health psychiatrist consultation cover" · similarity 63% · weight 1
Section B: What the KiwiCare and the RegularCare plans cover > Consultations
Consultations are covered with certain specialists, psychiatrists, and dietitians.
Source PDF →Query: "non-Pharmac mental health medication cover" · similarity 57% · weight 0.7
Section C: What the KiwiCare and the RegularCare plans don't cover > Healthcare services that we don't cover > Healthcare services related to mental health
We don't cover any costs related to healthcare services for mental health, except for what we cover under the following: - the 'Psychiatrist consultation' benefit on page 13 - the 'Psychiatric hospitalisation' benefit on page 24. - the 'Day-to-day treatment' benefit, if you have the RegularCare plan, on page 27.
Source PDF → - score 1.03
#5 · Southern Cross
KiwiCare
Show matched clauses (2)
Query: "mental health psychiatrist consultation cover" · similarity 63% · weight 1
Section B: What the KiwiCare and the RegularCare plans cover > Consultations
Consultations are covered with certain specialists, psychiatrists, and dietitians.
Source PDF →Query: "non-Pharmac mental health medication cover" · similarity 57% · weight 0.7
Section C: What the KiwiCare and the RegularCare plans don't cover > Healthcare services that we don't cover > Healthcare services related to mental health
We don't cover any costs related to healthcare services for mental health, except for what we cover under the following: - the 'Psychiatrist consultation' benefit on page 13 - the 'Psychiatric hospitalisation' benefit on page 24. - the 'Day-to-day treatment' benefit, if you have the RegularCare plan, on page 27.
Source PDF →
What to watch out for
- pre-existing: Mental-health pre-existing exclusions are common and often broadly worded. If you have prior diagnoses, read the exclusion clause carefully.
- annual limit: Mental health benefit limits are often capped much lower than physical health (e.g. $2.5k vs $300k). Compare actual numbers.
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How this ranking works
This scenario translates to 5 semantic queries (weighted). Each query runs against every NZ health insurance policy clause we've ingested (3,000+ clauses across 5 insurers). The best clause-per-product per query contributes its similarity × weight to the product's aggregate score.
Try the underlying semantic clause search to run your own queries.
This is mechanical retrieval + ranking — not personalised financial advice. The actual policy you should buy depends on factors only an FSPR-registered adviser can assess (your medical history, budget, family composition, risk tolerance). Use this to shortlist, then talk to an adviser.