GP visits, prescriptions, and primary-care cover
GP consultation reimbursement, prescription cover, and primary-care benefit lines compared.
You want help with the recurring small costs — GP visits, scripts, repeat consultations — not just the once-in-a-decade hospital admission. Primary-care benefits are a separate benefit line on most NZ policies and the difference between "$200/year contribution" and "actual GP cover" is large.
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 1.86
#1 · nib
Ultimate Health
Show matched clauses (5)
Query: "GP general practitioner consultation reimbursement" · similarity 63% · weight 1
03. Options > GP Option > GP Benefit > What am I covered for?
We'll pay for: - GP or nurse practitioner consultations; and - GP surgery performed in a GP room under local anaesthetic This includes home consultations, ECG, and cervical smears.
Source PDF →Query: "prescription pharmacy cover annual limit" · similarity 54% · weight 0.9
03. Options > GP Option > Prescriptions Benefit > What else do I need to know?
You'll need to provide us with your pharmacy receipts that show the patient's name, prescription number, name of the prescribed drug(s) and the cost of each item. In addition to any personal or general exclusions that may apply, we also don't cover the following under this benefit: - after-hours fees - administration costs - medicines that aren't prescribed by a GP, specialist, or nurse practitio…
Source PDF →Query: "repeat consultation and follow-up cover" · similarity 51% · weight 0.6
02. Your Base Cover > I'm recovering from a stay in hospital > Follow-up Investigations for Cancer Benefit > What am I covered for?
If you've had cancer surgery or cancer treatment paid for by us under this policy, we'll also pay for your related follow-up investigations for up to five consecutive years. You're covered for both: - an annual specialist consultation relating to your cancer - investigations relating to your cancer
Source PDF →Query: "nurse practitioner and after-hours clinic cover" · similarity 53% · weight 0.5
03. Options > GP Option > Nurse Practitioner Benefit > What am I covered for?
We'll pay for the cost of visits with a nurse practitioner.
Source PDF →Query: "immunisation and travel vaccination cover" · similarity 44% · weight 0.4
02. Your Base Cover > I need to stay in hospital for surgery or treatment > Delayed Treatment Benefit > What else do I need to know?
- any related diagnostic investigations and histology must be done before your departure - all details regarding your destination, travel, accommodation, and support person need to be approved by us before your departure - all medical facilities, providers, and health professionals that you use must have accreditation and/or registration that would be acceptable for New Zealand standards
Source PDF → - score 1.84
#2 · nib
Ultimate Health Max
Show matched clauses (5)
Query: "GP general practitioner consultation reimbursement" · similarity 62% · weight 1
03. Options > GP Option > GP Benefit > How much am I covered for?
You can have up to twelve GP and/or **nurse practitioner** **consultations** per **insured person** every policy year. For **consultations** we'll pay: - up to $55 per **consultation**, including after hours - up to $80 per home **consultation** - up to $25 per ACC top-up **consultation** For GP **surgery** we'll pay: - up to $200 for each procedure
Source PDF →Query: "prescription pharmacy cover annual limit" · similarity 53% · weight 0.9
03. Options > GP Option > Prescriptions Benefit > What else do I need to know?
You'll need to provide us with your pharmacy receipts that show the patient's name, prescription number, name of the prescribed drug(s) and the cost of each item. In addition to any personal or general exclusions that may apply, we also don't cover the following under this benefit: - after-hours fees - administration costs - medicines that aren't prescribed by a GP, **specialist**, or **nurse pr…
Source PDF →Query: "repeat consultation and follow-up cover" · similarity 51% · weight 0.6
02. Your Base Cover > I'm recovering from a stay in hospital > Follow-up Investigations for Cancer Benefit > What am I covered for?
If you've had cancer **surgery** or cancer treatment paid for by us under this policy, we'll also pay for your related follow-up investigations for up to five consecutive years. You're covered for both: - an annual **specialist** **consultation** relating to your cancer - investigations relating to your cancer
Source PDF →Query: "nurse practitioner and after-hours clinic cover" · similarity 52% · weight 0.5
03. Options > GP Option > Nurse Practitioner Benefit > What am I covered for?
We'll pay for the cost of visits with a **nurse practitioner**.
Source PDF →Query: "immunisation and travel vaccination cover" · similarity 44% · weight 0.4
02. Your Base Cover > I need to stay in hospital for surgery or treatment > Overseas Treatment Benefit > What else do I need to know?
- to claim on this benefit, the Ministry of Health needs to have declined your application for funding under the 'High-Cost Treatment Pool' (or its replacement). You'll need to provide us with a copy of the letter declining your application - all medical facilities, providers, and health professionals that you use must have accreditation and/or registration that would be acceptable for New Zealand…
Source PDF → - score 1.65
#3 · Accuro
SmartCare
Show matched clauses (4)
Query: "GP general practitioner consultation reimbursement" · similarity 62% · weight 1
SmartCare at a glance > Start with the base plan and add additional modules > Additional modules/Health Plan > GP module
Cover for GP and nurse consultations, along with prescription drug costs.
Source PDF →Query: "prescription pharmacy cover annual limit" · similarity 53% · weight 0.9
Additional modules > GP module > Prescription drugs and laboratory tests
Covers the costs of prescription drugs and laboratory tests ordered by a New Zealand-registered medical practitioner or registered medical specialist. - Laboratory tests: $80 each policy year. - Prescription drugs: up to $20 for each item, to a maximum of $400 in a policy year.
Source PDF →Query: "repeat consultation and follow-up cover" · similarity 52% · weight 0.6
SmartCare at a glance > Start with the base plan and add additional modules > Additional modules/Health Plan > Specialist module
Cover for specialist consultations and diagnostic tests.
Source PDF →Query: "nurse practitioner and after-hours clinic cover" · similarity 49% · weight 0.5
Additional modules > GP module > Registered nurse
Covers the costs of practice nurse visits. - Up to $35 for each visit.
Source PDF → - score 1.64
#4 · Southern Cross
UltraCare
Show matched clauses (4)
Query: "GP general practitioner consultation reimbursement" · similarity 63% · weight 1
B – What the UltraCare plans cover > Day-to-day treatment > General practitioner services
Consultations and treatment performed by a general practitioner, or a nurse at a general practice clinic. **We'll cover the actual charges incurred up to: $100 for each visit.**
Source PDF →Query: "prescription pharmacy cover annual limit" · similarity 59% · weight 0.9
B – What the UltraCare plans cover > Day-to-day treatment > Prescriptions
Drugs prescribed by a health services provider. This excludes cover for drugs that are not Pharmac approved. **We'll cover the actual charges incurred up to: $600 each claims year.**
Source PDF →Query: "nurse practitioner and after-hours clinic cover" · similarity 58% · weight 0.5
B – What the UltraCare plans cover > Day-to-day treatment > Nurse services
Performed by a nurse. Services performed at a general practice clinic by a nurse are covered under general practitioner services as set out above. **We'll cover the actual charges incurred up to: $30 for each visit.**
Source PDF →Query: "immunisation and travel vaccination cover" · similarity 48% · weight 0.4
C – What the UltraCare plans don't cover > Healthcare services that we don't cover > Vaccinations
We don't cover any costs related to vaccinations, except for what we cover under the 'Day-to-day treatment' benefit for flu vaccinations on page 27.
Source PDF → - score 1.43
#5 · Accuro
StaffCare
Show matched clauses (3)
Query: "GP general practitioner consultation reimbursement" · similarity 61% · weight 1
StaffCare at a glance > Start with the base plan and add additional modules > GP module
Cover for GP and nurse consultations, along with prescription drug costs.
Source PDF →Query: "prescription pharmacy cover annual limit" · similarity 56% · weight 0.9
Additional modules > GP module > Prescription drugs
This benefit covers the costs of prescription drugs ordered by a New Zealand-registered medical practitioner or registered medical specialist. Up to $20 for each item, to a maximum of $300 for each person in a policy year. ---
Source PDF →Query: "repeat consultation and follow-up cover" · similarity 52% · weight 0.6
StaffCare at a glance > Start with the base plan and add additional modules > Specialist module
Cover for specialist consultations and diagnostic tests.
Source PDF →
What to watch out for
- annual limit: GP benefits often capped at $200-400/year — covers 4-6 visits maximum. Worth doing the maths against your actual usage.
- reimbursement: Many policies reimburse a percentage (e.g. 75%) up to the cap — not the full cost. Check the % and any per-visit ceiling.
Ready to shortlist a policy for gp visits, prescriptions, and primary-care cover?
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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.