SmartCare vs Health Positive: Mental health cover
Mental health cover varies dramatically across NZ health insurers — from entirely excluded (entry-level plans) to specific psychiatric hospitalisation sublimits. This page lists each insurer's mental-health rules with the relevant NZD sublimits and admission terms.
Accuro SmartCare
Wording effective 2026-05-16
The mental health benefit provides $1,000 per person per policy year for consultations with a psychiatrist, psychologist, psychotherapist or counsellor. No excess applies to this benefit. Providers must be registered 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. The policy does not cover treatment or counselling for psychiatric, psychological and neurodevelopmental disorders as listed under the general exclusions (including but not limited to ADHD, autism spectrum disorder, dyslexia, intellectual disability, motor disorders, dementia). There is no specific inpatient mental health admission benefit; the general exclusion for psychiatric and neurodevelopmental disorders applies.
UniMed Health Positive
Wording effective 2016-01-22
Not on file for this product.