Hospital Select
For those who want comprehensive and customisable cover, Hospital Select offers our highest level of cover for general surgery.
Health Plan highlights
- Comprehensive cover, incl. hospital, surgical and cancer cover
- Customise your cover by adding additional modules to suit your needs: Specialist, GP, Dental & Optical and Natural Health
- Includes Active Benefits and Active Care services
Comprehensive hospital, surgical and cancer cover
SmartCare and SmartCare+ provide comprehensive hospital and surgical cover and are designed for people who make their health a priority.
The base module contains benefits for major health needs, including surgical treatment, cancer care, hospital stays, and other serious medical events.
You can then tailor your policy with additional modules that work for you, your family and your budget. There are additional modules for everyday wellbeing care, dental and optical, specialist consultations and natural healthcare.
- SmartCare+ offers a higher level of coverage, including high levels of cancer care, such as cover for drugs that aren't subsidised by Pharmac (non-Pharmac drugs).
- SmartCare retains most of the key benefits of SmartCare+ but with lower benefit limits. This makes it a more affordable alternative.
The following criteria apply to SmartCare and SmartCare+ eligibility:
- New Zealand resident/citizen
- You can add a spouse or partner at any time
- You can add children under the age of 25 years old at any time
How does it work?
- All SmartCare and SmartCare+ policies have the Hospital and Surgical base plan.
- You can choose to add any of our additional modules for yourself or any of the other Members on the policy.
- Excess options are available and apply per person and per policy year.
- Customise your plan with different modules and excess levels for each member covered by the Health Plan.
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
Cancer Care
T&Cs and limits apply
- Private hospital admission
- Radiation oncology
- Chemotherapy
- Non-Pharmac subsidised drugs (SmartCare+ only)
Mental Health
T&Cs and limits apply
- $1,000 per member per year for mental health consultations
- Additional $1,000 available with the Specialist module
Additional modules
A wide range of additional options including everyday wellbeing care, dental and optical, specialist consultations and natural healthcare. Cover is subject to underwriting, terms, conditions, limitations, exclusions and eligibility criteria in the Health Plan.
Specialist Module
- Specialist consultations
- Diagnostic tests and treatment
- Mental health consultations
- Melanoma check (loyalty benefit)
Dental and Optical Module
- Optometrist
- Glasses and lenses
- Dental treatment
- Orthodontic (loyalty benefit)
GP Module
- General practitioner consults
- Nurse consults
- Laboratory tests
- Prescription drugs
Natural Health Module
- Osteopathic treatment
- Chiropractic treatment
- Physiotherapy
- Nutritionist
- Dietician
Here’s an example of how you’d be covered
A proactive approach to wellbeing
Additional benefits included in cover
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 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 working 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.