Are you a current Adviser with UniMed?
Here are some helpful resources and links.
If you are new to UniMed, scroll down for more information.
If your customer's policy number starts with a number (not letters)...
then this policy was originally under UniMed.
- Health Plan updates 2026
- Member forms for Plans originally issued under UniMed
- Our Terms and Conditions have changed
If your customer's policy number starts with PL...
then this policy was originally under Accuro.
New to UniMed?
What sets us apart
UniMed is proud to be New Zealand’s third-largest health insurer, trusted by over 140,000 Members.
As a mutual society, we exist for our Members – not shareholders. Guided by our values of aspire, care and trust, we’re here to support our Members' health journey every step of the way.
More than insurance: A proactive approach to wellbeing.
UniMed Health Plans include Active Benefits and Active Care, a growing range of benefits to help members stay well — mentally and physically — every day
- Mental health support
- Bowel screening kits
- Nutrition consults and fitness consults
- Skin checking technology
- Cancer coaching
- Access to online GP advice
Find the right cover
UniMed offers a range of Health Plans designed to suit different needs.
Employer / group cover
Flexible health insurance options designed for groups, helping them support their team’s wellbeing while attracting and retaining talent.
Hospital Select
For those who want maximum protection through comprehensive and customisable cover. It includes our highest level of cover for general surgery.
UniCare Advantage
All-in-one cover for hospital, surgical and everyday care. UniMed pays up to 80% of treatment costs, within benefit limits.
StaffCare+ & StaffCare
Comprehensive hospital and surgical Health Plan for smaller groups.
Corporate Health Positive
Shared cost Health Plan. UniMed contributes either 50% or 80% reimbursement on everyday healthcare costs.
Individuals & families
Flexible health cover designed to meet the needs of your clients and their families, helping them access timely treatment and manage healthcare costs with greater certainty.
SmartCare+ & SmartCare
SmartCare+ is comprehensive cover for those who make their health a priority. It includes our highest level of cover for non-Pharmac subsidised drugs. SmartCare is a lower-cost alternative to SmartCare+.
Hospital Select
For those who want maximum protection through comprehensive and customisable cover. It includes our highest level of cover for general surgery.
UniCare Advantage
All-in-one cover for hospital, surgical and everyday care. UniMed pays up to 80% of treatment costs, within benefit limits.
Health Positive
If your clients value prevention and want help covering everyday health costs (GP visits, physio, dental, and other health maintenance services).
Cover for working visa / non-residents
SmartStay
The only New Zealand health insurance for visitors or workers on short-term visas (under two years) who aren’t eligible for publicly funded healthcare.
ParentStay
ParentStay is for people who have applied, or are in the process of applying, for the Parent Boost Visitor Visa.
Kids-only cover
KidSmart
The only New Zealand health insurance plan designed for children. Guardians can insure dependants without needing cover themselves.
Contact us
Our team is here to support you. Please don’t hesitate to get in touch.
partners@unimed.co.nz
0800 600 666
Our Terms and Conditions are changing
We’re updating some of the key documents that make up a UniMed Member's policy from 1 April 2026
- Terms and Conditions will replace Conditions of Membership
- List of Approved Healthcare Services will replace Approved and Unapproved Surgical Procedures
- List of Unapproved Healthcare Services will replace Unapproved Medical Services and Approved and Unapproved Surgical Procedures
These changes do not apply to all UniMed Health Plans. Please see details and key updates summary below.
What are the key updates?
The below changes take effect from 1 April 2026.
1. Conditions of Membership
Terms and Conditions will replace Conditions of Membership.
Key changes include:
- Babies (up to 3 months of age) can be added to policies with no underwriting (previously 30 days).
- Suspension rules have been clarified (minimum membership requirements, timeframes between suspensions) and new suspension options have been introduced.
- Modules can now only be removed at the start of the policy year.
- General exclusions have been consolidated and simplified, with clearer explanations of what is not covered.
- Member responsibilities been updated, including:
- A new Vulnerable Member section
- A new Unacceptable Member Behaviour section
- Members' disclosure responsibilities regarding their policy.
- Additional detail has been added relating to ACC, drug cover, reasonable charges, eligibility, and membership rules.
- Terminology has been updated to plain English for improved readability.
2. Approved and Unapproved Surgical Procedures
List of Approved Healthcare Services will replace Approved and Unapproved Surgical Procedures.
List of Unapproved Healthcare Services will replace Unapproved Medical Services and Approved and Unapproved Surgical Procedures.
Key changes include:
- The lists have been modernised to remove duplication and adopt current clinical terminology.
- Changes have focused on clarifying coverage, not reducing cover or assessing or introducing new healthcare services.
3. Fact Sheets
These Fact Sheets reflect changes effective 1 April 2026:
