Specialist Module
- Specialist consultations
- Diagnostic tests and treatment
- Mental health consultations
Health Plan highlights
- Standalone product for babies and children, guardians don’t need to have health insurance
- Comprehensive hospital and surgical cover
- Optional specialist module that supports access to private specialist and diagnostic tests
- Loyalty benefits designed for children
Health insurance designed just for kids
KidSmart is the only New Zealand health insurance plan designed specifically for children. This Health Plan allows guardians to take out health insurance for their children, grandchildren or dependants without having to have cover themselves.
It's designed to give young people access to private healthcare for surgical and hospital treatments, diagnostic procedures, oral surgery and more.
You can personalise cover with an additional module for Specialist cover.
The following criteria apply to KidSmart eligibility:
- New Zealand resident/citizen
- You can add children under the age of 18 years old at any time
- Members can stay on KidSmart until they turn 25 years old
Dependants over the age of 18 can take out cover in their own name on one of our other Health Plans. You can see these here.
How it works
- Legal guardians can take out a policy for their dependants without needing to be insured themselves.
- All KidSmart policies have the Hospital and Surgical base plan.
- You can choose to add the Specialist module to anyone covered by the policy.
- Excess options are available and apply per person per policy year.
- For each member covered by the Health Plan, you can choose the excess level and whether they have the Specialist module or not.
- Members can stay on KidSmart until they are 25 years old. Once they turn 25, they will automatically be transferred to their own policy with the SmartCare+ Health Plan at their next policy anniversary.
Summary of benefits
This information is a summary only. Cover is subject to underwriting and the terms, conditions, limitations, exclusions and eligibility criteria set out in the Health Plan document.
Surgery and Hospitalisation
T&Cs and limits apply
- Surgeon and anaesthetists' fees
- Hospital accommodation
- Oral Surgery
- Major Diagnostics (e.g. CT, MRI, and PET scans)
- Pre- and post-operative specialist consults
- Non-Pharmac subsidised drugs
Cancer Care
T&Cs and limits apply
- Private hospital admission
- Radiation oncology
- Chemotherapy
- Non-Pharmac subsidised drugs
Child-specific loyalty benefits
T&Cs and limits apply
- Release of tongue or lip tie
- Screening with an audiologist, allergist, paediatrician or respiratory specialist
- Contribution towards exercise-based activity
- Speech language therapy (Specialist module)
- Orthodontic treatment (Specialist module)
Additional modules
Personalise your child's cover with an optional add-on module that provides access to private specialists and diagnostic tests. Cover is subject to underwriting, terms, conditions, limitations, exclusions and eligibility criteria in the Health Plan.
Here’s an example of how you’d be covered
See more
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 and the terms, conditions, limitations, exclusions and eligibility criteria set out in the Health Plan document.
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.
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