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+.
Plan highlights
- No annual limit for approved general surgery.
- Cover for cancer treatment including surgery, radiotherapy and chemotherapy.
- Specialist consultations and test/investigations.
Comprehensive and customisable health insurance
Hospital Select is for people who have health as their top priority and want cover for both the major events and everyday health and wellbeing. It’s a comprehensive Health Plan.
The base plan contains benefits for serious medical events such as surgical treatment, cancer care and hospital stays.
You can then tailor your policy with additional modules that work for you, your family and your budget. There are modules to add cover for specialist consultations, everyday care, natural healthcare, dental care, optical care, and additional cancer care options.
The following criteria apply to Hospital Select 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.
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.
How it works
- All Hospital Select policies have the Hospital Select Base Plan. You can then choose to add the Specialist module, Day-to-Day module or Natural Health module. If you chose one or more of these additional modules, you are then eligible to select the Dental and Vision module.
- Voluntary excess options are available. These apply per admission and only to applicable benefits.
- All Members on the policy must have the same modules and excess level. It is not possible to customise these per person.
What does it cover?
The below 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.
Summary of benefits
The following benefits are included in the Hospital Select base plan:
Surgery and Hospitalisation
T&Cs and limits apply
- Surgeon and anaesthetists' fees
- Hospital accommodation
- Oral surgery
- Pre- and post-operative specialist consults
- Non-Pharmac subsidised drugs
Cancer Care
T&Cs and limits apply
- Radiotherapy/radiation therapy
- Chemotherapy
- Non-Pharmac subsidised drugs
Mental Health
T&Cs and limits apply
- Mental health consultations
- Psychiatric hospitalisation
Additional Modules
A wide range of additional options including day to day treatment, dental and vision and natural health. The Dental and Optical module can be added when at least one other module is added to the policy.
Day-to-Day Module
Terms and conditions apply.
- General practitioner consults
- Nurse consults
- Laboratory tests
- Prescription drugs
Specialist Module
Terms and Conditions apply.
- Specialist consultations
- Diagnostic tests and treatment
Natural Health Module
Terms and Conditions apply.
- Osteopathic treatment
- Chiropractic treatment
- Physiotherapy
- Nutritionist
- Dietitian
Dental and Vision Module
Term and Conditions apply.
- Optometrist
- Glasses and lenses
- Dental treatment
Modules for cancer care
The below modules provide additional benefits for Cancer Care. You can select one of the cancer care modules and it will be applied to all insured Members on the policy.
Cancer Care Plus
This module provides an additional $250,000 towards the treatment of cancer.
Treatments include:
- Chemotherapy
- Immunotherapy
- Radiotherapy
- Non-Pharmac drugs
- Mental health consultations
- Home help
- Travel and accommodation costs
This module cannot be held in conjunction with the Medsafe Approved module.
Medsafe Approved
Additional cover for Medsafe approved medications for the treatment of cancer. These medications can be PHARMAC subsidised or Non-Pharmac subsidised.
Options for $100,000 or $250,000 of additional cover.
This module cannot be held in conjunction with the Cancer Care Plus module.
Here are examples of how you’d be covered
Henry
Emma
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?
UniCare Advantage
All-in-one cover for hospital, surgical and everyday care. UniMed pays up to 80% of treatment costs, within benefit limits.
