The Base Cover provides cover for surgical and non-surgical hospitalisation.

Key features

• Up to $300,000 per person each policy year for the costs of surgery.

• Up to $200,000 per person each policy year for non-surgical costs, including cover for cancer treatment.

• Cover for specific major diagnostic tests, even if hospitalisation for treatment isn’t required.

• Cover for follow-up checks for cancer for up to 5 years after cancer treatment.

• Cover in both New Zealand and Australia, for costs incurred in either country (unless expressly excluded in the policy).

• Cover for GP minor surgeries such as mole removal.

• A Check Up Benefit:$100 for each adult towards the cost of a health check-up, after every three years of continuous cover.

• ACC top-up: we will top up your ACC claims for any treatment or procedure not fully covered by ACC.

• Cover for high-risk pregnancy: we pay towards the cost of obstetrician treatment for pregnancies with recognised risk factors.

• We’ll pay for accommodation costs for a parent to accompany their child (up to age 20) who needs treatment in a private hospital, whether or not it’s recommended by your doctor.

Cover subject to exclusions, waiting periods, benefit limits, excess payable, and full policy terms and conditions.

The Specialist Option covers you for specialist consultations and diagnostic procedures that don’t result in hospitalisation. You won’t pay any excess for this Option.

The Non-PHARMAC Plus Option covers you for the cost of Medsafe-approved drugs that are not funded by PHARMAC at the time of your treatment. You can choose from the following levels of cover: $20,000, $50,000, $100,000, $200,000 or $300,000.

The GP Option is perfect for those wanting to cover some of the day-to-day healthcare costs. This Option is particularly useful if you develop a health problem requiring regular GP consultation^. You won’t pay any excess for this Option.

The Dental, Optical, and Therapeutic Option is ideal if you have regular trips to the dentist, chiropractor,

podiatrist or osteopath, or you need glasses or contacts. There are also benefits covering acupuncture, as well as speech, occupational and eye therapy^. You won’t pay any excess for this Option.

The Serious Condition Lump Sum Option pays out a one-off lump sum amount to help reduce the strain, both financially and emotionally, of dealing with specific trauma conditions*. You can use this lump sum for whatever you wish, such as expensive out-of-hospital drug treatments, rehabilitation expenses, paying off the mortgage or maybe a holiday to recuperate.

You won’t pay any excess for this Option.

The Proactive Health Option encourages you to look after your health, whether you want to check any hereditary medical concerns or just want to stay fit and healthy#

You won’t pay any excess for this Option.