Cover is subject to underwriting and the Health Plan, UniMed Terms and Conditions and other documents that make up the policy. This webpage is intended as an information guide only and does not constitute financial advice or form part of the policy document or any contract with UniMed.
Plan highlights
- 50% or 80% reimbursement for eligible healthcare costs
- A wide range of health benefits you can use including dental and vision care
Everyday cover for you and your family
Health Positive is designed to help cover the everyday costs of staying healthy, with benefits for GP visits, dental care, specialist consultations, diagnostics, and a wide range of preventative health services.
Health Positive includes benefits for specialist consultations and diagnostic investigations, but it does not include cover for surgery or hospital care. If you are interested in cover for surgery and related costs, please see our other Health Plans.
Health Positive is a cost-sharing Health Plan. UniMed will contribute 50% or 80% of the covered costs of treatment.
The following criteria apply to Health Positive eligibility:
- New Zealand residents, citizens or people within New Zealand who are covered by the public healthcare system.
- You can add your partner, or children 18 years and younger, onto your policy at any time.
How it works
- Health Positive is a reimbursement Health Plan, which means that you will need to pay for treatment upfront and then submit a claim for reimbursement.
- You can choose between 50% or 80% reimbursement on eligible everyday healthcare costs.
- Each benefit has a limit on what you can claim and a no-claiming period (which is the timeframe you must wait after your policy is issued before you can make a claim).
- Eligible pre-existing conditions are covered. We don’t require you to provide details of your medical history to apply.
- Health Positive keeps premiums lower through cost-sharing, so excesses don’t apply and there’s nothing extra to calculate at claim time.
Summary of benefits
This information is a summary only. Cover is subject to underwriting and the Health Plan, UniMed Terms and Conditions and other documents that make up the policy.
Specialist Consultations
T&Cs and limits apply
- Specialist consultations
- Diagnostic investigations (such as X-Rays, CT Scans, MRIs and blood tests)
- Mental health consultations
GP Benefits
T&Cs and limits apply
- Consultations with General Practitioner (GP)
- Prescriptions
- Non-Pharmac subsidised drugs
- Surgery performed in GP rooms
Dental and Optical Benefits
T&Cs and limits apply.
- Dental examinations
- Wisdom teeth extraction
- Orthodontist
- Prescription glasses or contact lenses
- Eye tests
Health Maintenance
T&Cs and limits apply
- Physiotherapy
- Chiropractor
- Osteopath
- Podiatrist
- Dietitian/Nutritionist
Here are examples of how you’d be covered
Maia
Hernan
A proactive approach to wellbeing
Our Health Plans also include Active Benefits and Active Care, a range of wellbeing services designed to help prevent illness, boost energy, and support lifelong wellbeing.
Explore more benefits available through UniMed health insurance:
- Mental health support
- Bowel screening kits
- Nutrition and fitness consults
- Skin checking technology
- Cancer coaching
- Access to online GP advice
T&Cs and limits apply.
Get a quote today
Whether you’re new to health insurance or ready to switch, UniMed makes it simple to find the right plan for you. Find affordable, flexible health plans designed to fit your life and budget.
This webpage is intended as an information guide only and does not constitute financial advice or form part of the policy document or any contract with UniMed.
Cover is subject to underwriting, the full terms, conditions, limitations, exclusions and eligibility criteria set out in the relevant Health Plan document and UniMed's Terms & Conditions.
Why Choose UniMed?
UniMed is a not-for-profit health insurer established 45 years ago to help New Zealanders access better healthcare. Our mission is to support lifelong health for New Zealanders and their whānau by continually improving our services to meet Members’ changing needs.
Looking for other Health Plans?
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.
SmartCare & SmartCare+
SmartCare+ is a 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+.
All Health Plans
Find a quality, affordable Health Plan that gives you confidence that your health is in good hands.