Hospital Select
For those who want comprehensive and customisable cover, Hospital Select offers our highest level of cover for general surgery.
Plan highlights
- 80% of reasonable charges for eligible surgery, up to $100,000 per admission
- Specialist consultations and tests/imaging
- Benefits for cancer treatment
Keeping your health in check
UniCare Advantage has a mix of benefits for surgical and hospital treatments as well as benefits for everyday healthcare such as GP consults, prescriptions, dietitians and other health maintenance services.
UniCare Advantage is for people who want a wide range of benefits and are able to pay for some of their own healthcare costs. As a cost-sharing Health Plan, UniMed will contribute 80% of the covered costs of treatment.
The following criteria apply to UniCare Advantage 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
- UniCare Advantage has hospital and surgical benefits along with benefits for everyday care.
- As a cost-sharing Health Plan, both you and UniMed contribute to the cost of each treatment.
- UniMed will contribute 80% of the cost of treatment, up to the benefit limit or reasonable cost, and you are responsible for any remaining costs.
- Because this is a cost-sharing Health Plan, excess options are not available.
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
- Pre- and post-operative specialist consults
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
Everyday care
T&Cs and limits apply
- General Practitioners (GPs)
- Laboratory tests
- Physiotherapists
- Dietitians
Here are examples of how you’d be covered
Henry's example
Agatha's example
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.
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?
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+.
