As a valued Comins Plumbing employee, your subsidised cover includes the UniMed Hospital Select Base Plan with a $500.00 excess plus Specialists module. The Hospital Select Base Plan is our most comprehensive cover for major unexpected illnesses requiring surgery or hospitalisation, with an unlimited sum insured for surgery and related expenses.
COVER FOR PRE-EXISTING CONDITIONS
Provided you join within the Joining Concession Period, you are covered immediately for pre-existing conditions under your Hospital Select Base Plan and Specialists module, unless they are conditions referenced otherwise in your Special Joining Concessions or are general exclusions in the UniMed Terms and Conditions.
Your Health Plan document
Your Hospital Select Health Plan document provides details of the cover available including any specific limitations, rules or requirements for each benefit.
Cover is subject to the Special Joining Concessions of your group insurance scheme and to the terms and conditions and general exclusions contained in UniMed Terms and Conditions.
Your Active Benefits
Included in your cover is access to tailored services, early detection tools, and expert advice to help you stay in lifelong good health.
Whether you’re preparing for surgery, building healthy habits, or simply want to stay on top of your health, there’s something here for you.
Add family members and additional modules
- You can choose to add family members to your plan at your own cost, which can be found in the premium chart brochure.
- You can also add additional modules such as Day to Day, Natural Health or Dental/Vision at your own cost. You can read more about these in the Hospital Select Plan brochure.
- You can choose to 'buy out' the $500 excess on your health plan. This means that instead of paying an excess when you claim, you will pay a slightly higher premium. Eliminate the out-of-pocket expense when making a surgical claim and get easy access to your health plan straight away.
- Your broker at PIC will be in touch to discuss your needs and assist you with adding family or additional cover.
Important documents
UniMed is assessed by A.M. Best Company, Inc to have a Financial Strength Rating of A (Excellent).
To help interpret the rating, AM Best's Financial Strength Rating scale is:
A++, A+ (Superior), A, A- (Excellent), B++, B+ (Good), B, B- (Fair), C++, C+ (Marginal), C, C- (Weak), D (Poor), E (Under Regulatory Supervision), F (Liquidation), S (Suspended).
More information on UniMed’s Financial Strength can be found here.
UniMed is a not-for-profit health insurance organisation that was established nearly 45 years ago to enable working New Zealanders to have better access to healthcare services. Our mission is to keep New Zealanders and their whānau in life-long good health. We are always striving to improve and enhance our services to better cater to the evolving needs of our members. UniMed specialises in helping businesses support the health and well-being of their employees and is proud to provide over 400 New Zealand businesses with tailored workplace health schemes. As we look forward to the next 45 years we are looking at improving and enhancing our services to ensure we are always there when people need us, but to also help keep them in better health so they live longer, happier lives.
