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Health Plus insurance

This type of insurance is designed to cover everyday health needs, providing Kiwis with additional support for primary healthcare services.

Intro

Health Plus Insurance in New Zealand

Looking for comprehensive health coverage in Aotearoa? Health Plus insurance offers Kiwis peace of mind when it comes to medical care. This guide breaks down everything you need to know about Health Plus policies, benefits, and how to choose the right plan for you and your whānau.

What is Health Plus Insurance?
Health Plus is a private health insurance option designed to complement New Zealand's public healthcare system. It provides faster access to medical treatments, specialists, and elective surgeries, reducing wait times and offering more choice in healthcare providers.
Types of Health Plus Plans
Health Plus is a private health insurance option designed to complement New Zealand's public healthcare system. It provides faster access to medical treatments, specialists, and elective surgeries, reducing wait times and offering more choice in healthcare providers.
Basic Cover: Includes hospital and surgical treatments
Comprehensive Cover: Adds specialist consultations and diagnostic tests
Premium Cover: Includes all the above plus additional benefits like alternative therapies

Key Benefits of Health Plus Insurance:

Reduced wait times for treatments and surgeries
Access to private hospitals and specialists
Coverage for non-Pharmac funded medications
Optional dental and optical care add-ons
Preventive health screenings
Choosing the Right Health Plus Plan
Consider these factors when selecting your policy:
Your health needs and family medical history
Budget and premium costs
Desired level of coverage
Excess options to balance premiums and out-of-pocket expenses

How Health Plus Works with ACC

Health Plus insurance works alongside ACC to provide comprehensive coverage. While ACC covers accident-related injuries, Health Plus can cover non-accident related treatments and provide top-up care for ACC claims.

Pre-existing Conditions
Health Plus policies may have stand-down periods or exclusions for pre-existing conditions. It's crucial to disclose all relevant medical information when applying for coverage.
Claiming Process
Obtain pre-approval for planned treatments
Visit your healthcare provider
Submit claim forms and supporting documents
Receive reimbursement or direct payment to your provider
Tax Benefits
While health insurance premiums are not tax-deductible for individuals in New Zealand, some employers may offer Health Plus as a fringe benefit, which can have tax advantages.
Comparing Health Plus to Other Providers
When shopping for health insurance, compare Health Plus policies with other major New Zealand insurers like Southern Cross, nib, and AIA. Consider factors such as:
Coverage limits
Network of healthcare providers
Customer service reputation
Policy flexibility and customisation options

Where to Buy Basic
Health Insurance

Southern Cross
nib
AIA
UniMed
Southern Cross
Southern Cross

Southern Cross is a well-established name in the New Zealand health insurance market. As a not-for-profit organisation, it focuses on returning value to its members.

Offers a range of plans, including basic options like their "Wellbeing Starter" plan
Known for efficient claim processing, with many claims settled within 5-7 working days
Provides a mobile app for easy claims submission and policy management
Offers a network of affiliated healthcare providers for potential cost savings
Regularly scores high in customer satisfaction surveys
Nib
Nib

nib entered the New Zealand market in 2012 when it acquired Tower Medical Insurance. Since then, it has grown to become one of the major players in health insurance.

Offers flexible coverage with their "Basic" plan as an entry-level option
Provides digital tools including a mobile app for policy management and claims
Focuses on preventive care with programmes like health screenings
Offers coverage for some pre-existing conditions after a waiting period
Provides options for adding extras like dental and optical cover to basic plans
AIA
AIA

AIA is a global insurance provider that entered the New Zealand health insurance market by acquiring Sovereign in 2018.

Offers integrated life and health insurance options
Provides a vitality programme that rewards healthy lifestyle choices
Offers loyalty benefits for long-term customers, such as increasing cover over time
Provides options for both individual and business health insurance
Offers a "Private Health" plan as their basic health insurance option
UniMed
UniMed

UniMed is another member-owned, not-for-profit health insurer with a history dating back to 1979.

Offers both comprehensive and basic plans, with their "UniCare" plan as a basic option
Provides options for both individuals and employer groups
Known for its strong focus on customer satisfaction
Offers some unique benefits like cover for obstetrics and infertility treatment on certain plans
Provides loyalty benefits, increasing certain benefit limits over time

FAQs about car insurance

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard.
We design and develop world-class websites and applications, design better and spend less time without restricting creative freedom.

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Health Plus insurance quote

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